Columbus, GA · Charter 11489
Q4 2014
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 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.13% | 0.93% | 1.27% | 1.23% | -21.58% | -2,172 bps | |
| Return on Equity | 0.31% | 2.32% | 3.64% | 3.33% | -129.36% | -12,967 bps | |
| Net Interest Margin | 6.00% | 5.80% | 4.81% | 4.81% | -12.95% | -1,895 bps | |
| Efficiency Ratio | 80.99% | 85.84% | 77.21% | 78.20% | n/a | n/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 / Loans | 10.67% | 18.10% | 13.66% | 10.35% | 21.54% | +1,087 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.49% | 8.41% | 2.38% | 1.58% | 11.11% | +361 bps | |
| Capital | |||||||
| Risk-Based Capital | 42.63% | 40.31% | 34.94% | 36.79% | 16.68% | -2,594 bps | |
| Net Worth / Assets | 42.63% | 40.31% | 34.94% | 36.79% | 16.68% | -2,594 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.61% | 69.94% | 50.94% | 63.66% | 50.16% | -3,745 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |