Columbia, TN · Charter 68157
Q2 2008
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 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.05% | 0.98% | 0.85% | 0.46% | 0.45% | -60 bps | |
| Return on Equity | 4.77% | 4.49% | 3.78% | 2.73% | 2.62% | -215 bps | |
| Net Interest Margin | 4.50% | 4.32% | 4.44% | 3.94% | 3.85% | -65 bps | |
| Efficiency Ratio | 78.68% | 79.09% | 79.69% | 78.73% | 77.25% | -143 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.77% | 4.80% | -0.93% | 4.17% | 3.24% | -53 bps | |
| Loan Growth (YoY) | -3.81% | -4.03% | -3.94% | -5.50% | -7.95% | -414 bps | |
| Share Growth (YoY) | 1.79% | 3.56% | -2.33% | 10.55% | 9.35% | +756 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.28% | 1.32% | 2.39% | 0.62% | 1.88% | -40 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.40% | 1.06% | 0.88% | 1.08% | 1.21% | -20 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.95% | 21.72% | 22.59% | 16.89% | 17.19% | -476 bps | |
| Net Worth / Assets | 21.95% | 21.72% | 22.59% | 16.89% | 17.19% | -476 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.57% | 77.14% | 78.10% | 66.81% | 66.14% | -1,243 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |