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Golden

Columbus, GA · Charter 11489

Q4 2014

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2014, the quarter ended December 31, 2014, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Golden

Columbus, GA · Charter 11489

Q4 2014

$356KAssets
$149KLoans
$296KShares
$59KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -21.58%, down 2,172 bps year over year; NIM at -12.95%.
  • Asset quality: problem loans at 21.54% of loans (+1,087 bps YoY).
  • Capital: net worth / assets of 16.68%, down 2,594 bps from a year ago.
  • Funding: loans stand at 50.16% of shares as of Q4 2014.

Financial Results

Return on Assets (YTD, annualized)

-21.58%-2,172 bps YoY

Net Interest Margin (YTD, annualized)

-12.95%-1,895 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

16.68%-2,594 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014YoY ΔTrend
Earnings
Return on Assets0.13%0.93%1.27%1.23%-21.58%-2,172 bps
Return on Equity0.31%2.32%3.64%3.33%-129.36%-12,967 bps
Net Interest Margin6.00%5.80%4.81%4.81%-12.95%-1,895 bps
Efficiency Ratio80.99%85.84%77.21%78.20%n/an/a
Growth
Asset Growth (YoY)-35.17%-30.52%17.33%16.35%11.45%+4,662 bps
Loan Growth (YoY)-10.63%-14.83%-19.50%-5.54%-5.10%+553 bps
Share Growth (YoY)-48.48%-42.23%31.16%30.35%65.76%+11,424 bps
Asset Quality
Delinquent Loans / Loans10.67%18.10%13.66%10.35%21.54%+1,087 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans7.49%8.41%2.38%1.58%11.11%+361 bps
Capital
Risk-Based Capital42.63%40.31%34.94%36.79%16.68%-2,594 bps
Net Worth / Assets42.63%40.31%34.94%36.79%16.68%-2,594 bps
Liquidity & Funding
Loans / Shares87.61%69.94%50.94%63.66%50.16%-3,745 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps