Norcross, GA · Charter 11322
Q1 2012
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 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.97% | -1.83% | -1.77% | -1.40% | -5.69% | -273 bps | |
| Return on Equity | -30.24% | -18.02% | -17.72% | -14.10% | -71.61% | -4,137 bps | |
| Net Interest Margin | 1.28% | 1.35% | 1.42% | 1.48% | 1.60% | +32 bps | |
| Efficiency Ratio | 123.15% | 127.52% | 137.00% | 130.63% | 407% | +28,382 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.20% | 2.80% | -6.02% | -2.55% | -1.31% | -751 bps | |
| Loan Growth (YoY) | 3.31% | 5.19% | 12.36% | 16.44% | 10.48% | +717 bps | |
| Share Growth (YoY) | 8.74% | 4.65% | -4.97% | -2.97% | 0.40% | -834 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.92% | 2.66% | 0.76% | 0.97% | 0.76% | -16 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.90% | 1.92% | 0.44% | 0.33% | 0.23% | -167 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.81% | 10.15% | 10.00% | 9.95% | 7.95% | -186 bps | |
| Net Worth / Assets | 9.81% | 10.15% | 10.00% | 9.95% | 7.95% | -186 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 45.58% | 47.69% | 50.98% | 55.28% | 50.16% | +458 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |