PackageTrendsPeer
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Carta Employees'

Chattanooga, TN · Charter 68154

Q3 2004

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2004, the quarter ended September 30, 2004, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Carta Employees'

Chattanooga, TN · Charter 68154

Q3 2004

$626KAssets
$421KLoans
$486KShares
$140KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.91%, up 155 bps year over year; NIM at 6.22%.
  • Asset quality: problem loans at 2.56% of loans (+128 bps YoY).
  • Capital: net worth / assets of 22.30%, up 689 bps from a year ago.
  • Funding: loans stand at 86.68% of shares as of Q3 2004.

Financial Results

Return on Assets (YTD, annualized)

1.91%+155 bps YoY

Net Interest Margin (YTD, annualized)

6.22%+296 bps YoY

Efficiency Ratio (YTD, annualized)

68.02%-1,901 bps YoY

Net Worth / Assets

22.30%+689 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2003Q4 2003Q1 2004Q2 2004Q3 2004YoY ΔTrend
Earnings
Return on Assets0.35%0.37%0.10%-0.31%1.91%+155 bps
Return on Equity2.30%2.33%0.67%-1.92%8.55%+624 bps
Net Interest Margin3.26%3.33%3.49%3.32%6.22%+296 bps
Efficiency Ratio87.03%87.01%93.48%104.74%68.02%-1,901 bps
Growth
Asset Growth (YoY)10.55%16.03%6.34%-1.41%-29.50%-4,006 bps
Loan Growth (YoY)4.34%17.05%23.44%12.51%-7.92%-1,226 bps
Share Growth (YoY)12.17%18.87%7.23%-1.85%-35.02%-4,719 bps
Asset Quality
Delinquent Loans / Loans1.29%0.37%0.22%1.20%2.56%+128 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.80%0.86%0.91%1.04%0.73%-7 bps
Capital
Risk-Based Capital15.41%15.71%15.46%16.09%22.30%+689 bps
Net Worth / Assets15.41%15.71%15.46%16.09%22.30%+689 bps
Liquidity & Funding
Loans / Shares61.17%60.87%60.96%60.12%86.68%+2,552 bps
Liquid Assets / Assets47.43%47.20%46.82%47.60%29.60%-1,783 bps