Atlanta, GA · Charter 12320
Q3 2010
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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.34% | 1.05% | 0.59% | 0.51% | 0.49% | -85 bps | |
| Return on Equity | 10.64% | 8.50% | 4.85% | 4.37% | 4.13% | -651 bps | |
| Net Interest Margin | 2.45% | 2.43% | 2.49% | 2.72% | 2.83% | +39 bps | |
| Efficiency Ratio | 64.37% | 68.60% | 75.92% | 80.68% | 77.47% | +1,311 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 15.95% | 19.46% | 19.68% | 11.71% | 9.86% | -609 bps | |
| Loan Growth (YoY) | 15.02% | 16.06% | 13.30% | 10.81% | 17.05% | +203 bps | |
| Share Growth (YoY) | 18.81% | 22.42% | 23.06% | 12.46% | 10.87% | -794 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.48% | 0.81% | 0.89% | 0.79% | 0.71% | +23 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.80% | 0.84% | 0.98% | 0.94% | 0.96% | +16 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.56% | 12.39% | 12.13% | 11.72% | 11.74% | -82 bps | |
| Net Worth / Assets | 12.56% | 12.39% | 12.13% | 11.72% | 11.74% | -82 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.28% | 60.77% | 61.78% | 59.90% | 62.58% | +330 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |