Jasper, GA · Charter 13344
Q3 2008
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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.25% | -2.70% | -3.24% | -3.21% | -3.25% | -100 bps | |
| Return on Equity | -11.78% | -14.21% | -18.72% | -18.76% | -19.48% | -770 bps | |
| Net Interest Margin | 5.16% | 5.23% | 6.00% | 5.28% | 6.24% | +108 bps | |
| Efficiency Ratio | 136.48% | 142.71% | 115.08% | 131.48% | 133.63% | -285 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.39% | -8.41% | -5.32% | -6.65% | -5.10% | +429 bps | |
| Loan Growth (YoY) | -6.61% | -6.56% | -15.67% | -13.79% | -18.27% | -1,166 bps | |
| Share Growth (YoY) | -9.44% | -7.31% | -3.44% | -4.15% | -2.81% | +663 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.66% | 1.36% | 0.30% | 3.51% | 3.53% | +88 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.38% | 0.00% | 0.00% | 0.01% | 0.05% | -33 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.12% | 19.03% | 17.30% | 17.09% | 16.71% | -241 bps | |
| Net Worth / Assets | 19.12% | 19.03% | 17.30% | 17.09% | 16.71% | -241 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.15% | 70.22% | 60.12% | 60.36% | 56.46% | -1,068 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |