Powder Springs, GA · Charter 12747
Q2 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 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.11% | 1.98% | 1.53% | 0.97% | -4.48% | -659 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 | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -2.57% | 3.05% | -23.82% | -17.23% | -93.45% | -9,088 bps | |
| Loan Growth (YoY) | -40.89% | -49.07% | -61.10% | -77.46% | -100.00% | -5,911 bps | |
| Share Growth (YoY) | -4.05% | 4.04% | -32.49% | -25.09% | -100.00% | -9,595 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.58% | 3.90% | 0.00% | 0.00% | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.03% | 5.13% | 8.49% | 0.53% | n/a | n/a | |
| 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 | 59.51% | 40.46% | 34.51% | 19.77% | n/a | n/a | |
| Liquid Assets / Assets | 57.93% | 70.46% | 76.35% | 84.66% | 61.76% | +383 bps | |