Chattanooga, TN · Charter 68154
Q3 2004
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.35% | 0.37% | 0.10% | -0.31% | 1.91% | +155 bps | |
| Return on Equity | 2.30% | 2.33% | 0.67% | -1.92% | 8.55% | +624 bps | |
| Net Interest Margin | 3.26% | 3.33% | 3.49% | 3.32% | 6.22% | +296 bps | |
| Efficiency Ratio | 87.03% | 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 / Loans | 1.29% | 0.37% | 0.22% | 1.20% | 2.56% | +128 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.80% | 0.86% | 0.91% | 1.04% | 0.73% | -7 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.41% | 15.71% | 15.46% | 16.09% | 22.30% | +689 bps | |
| Net Worth / Assets | 15.41% | 15.71% | 15.46% | 16.09% | 22.30% | +689 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.17% | 60.87% | 60.96% | 60.12% | 86.68% | +2,552 bps | |
| Liquid Assets / Assets | 47.43% | 47.20% | 46.82% | 47.60% | 29.60% | -1,783 bps | |