Dalton, GA · Charter 12568
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 | 0.27% | -0.38% | -0.36% | -0.66% | -0.51% | -78 bps | |
| Return on Equity | 1.61% | -2.39% | -2.21% | -4.00% | -3.02% | -462 bps | |
| Net Interest Margin | 3.84% | 3.31% | 3.49% | 3.64% | 3.76% | -8 bps | |
| Efficiency Ratio | 89.97% | 96.70% | 94.66% | 93.49% | 93.58% | +362 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.60% | -0.19% | -3.88% | -7.57% | -5.90% | -851 bps | |
| Loan Growth (YoY) | -14.68% | -12.77% | -10.09% | -14.33% | -11.62% | +306 bps | |
| Share Growth (YoY) | 2.81% | -0.16% | -4.46% | -8.17% | -6.50% | -931 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.39% | 1.10% | 0.30% | 0.00% | 0.32% | -107 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.48% | 0.20% | 0.33% | 1.03% | 1.28% | +80 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.50% | 15.81% | 16.16% | 16.57% | 17.03% | +52 bps | |
| Net Worth / Assets | 16.50% | 15.81% | 16.16% | 16.57% | 17.03% | +52 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.78% | 61.26% | 63.38% | 63.59% | 64.06% | -371 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |