Augusta, GA · Charter 11424
Q4 1999
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 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.81% | 3.60% | 3.50% | 4.21% | -11.48% | -1,529 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | 5.69% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 99.15% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 19.14% | -1.51% | 1.22% | 3.73% | -24.96% | -4,410 bps | |
| Loan Growth (YoY) | 21.39% | -4.70% | -1.22% | 0.94% | -5.21% | -2,660 bps | |
| Share Growth (YoY) | 20.27% | -3.42% | 0.57% | 4.15% | -2.91% | -2,317 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.08% | 3.35% | 3.98% | 5.19% | 17.14% | +1,407 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.93% | 1.34% | 1.53% | 2.17% | 12.61% | +1,169 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.19% | 87.08% | 85.14% | 87.97% | 85.13% | -207 bps | |
| Liquid Assets / Assets | 14.29% | 7.46% | 10.82% | 16.30% | 0.00% | -1,429 bps | |