Marietta, GA · Charter 13739
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Marietta, GA · Charter 13739
Q2 2007
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 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.03% | 0.98% | 0.96% | 0.51% | 0.67% | -36 bps | |
| Return on Equity | 10.40% | 9.77% | 9.21% | 5.21% | 6.88% | -352 bps | |
| Net Interest Margin | 4.73% | 4.66% | 4.79% | 4.55% | 4.54% | -19 bps | |
| Efficiency Ratio | 76.08% | 76.12% | 75.91% | 82.25% | 80.18% | +409 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.09% | 2.43% | 1.85% | 7.13% | 9.92% | +1,001 bps | |
| Loan Growth (YoY) | 16.56% | 16.80% | 17.64% | 17.00% | 15.99% | -58 bps | |
| Share Growth (YoY) | 1.26% | 0.76% | 1.50% | 6.43% | 9.81% | +855 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.07% | 0.93% | 0.92% | 0.74% | 0.64% | -43 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.93% | 0.97% | 1.07% | 1.11% | 1.11% | +18 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.93% | 10.03% | 10.43% | 9.70% | 9.76% | -16 bps | |
| Net Worth / Assets | 9.93% | 10.03% | 10.43% | 9.70% | 9.76% | -16 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.34% | 84.48% | 91.47% | 83.78% | 86.97% | +463 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |