Chattanooga, TN · Charter 68355
Q4 2006
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 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.50% | 1.66% | -2.53% | -12.68% | -9.69% | -919 bps | |
| Return on Equity | -4.07% | 13.21% | -22.48% | -309% | -234% | -22,998 bps | |
| Net Interest Margin | 6.02% | 6.74% | 6.76% | 7.31% | 7.55% | +153 bps | |
| Efficiency Ratio | 83.08% | 68.96% | 75.42% | 77.69% | 83.91% | +83 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.68% | -6.86% | -4.68% | -11.44% | -11.45% | -877 bps | |
| Loan Growth (YoY) | 22.33% | 1.93% | -8.87% | -15.77% | -20.21% | -4,254 bps | |
| Share Growth (YoY) | -2.27% | -19.50% | -4.55% | -2.60% | -3.39% | -112 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.25% | 3.89% | 2.54% | 5.15% | 0.81% | -344 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.28% | 0.70% | 2.15% | 14.72% | 14.96% | +1,468 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.25% | 12.55% | 11.24% | 4.10% | 4.14% | -811 bps | |
| Net Worth / Assets | 12.25% | 12.55% | 11.24% | 4.10% | 4.14% | -811 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.11% | 76.12% | 73.29% | 68.76% | 63.69% | -1,343 bps | |
| Liquid Assets / Assets | 28.53% | 33.96% | 0.00% | 0.00% | 0.00% | -2,853 bps | |