Savannah, GA · Charter 13846
Q4 2005
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 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.49% | 0.00% | -0.01% | 0.23% | -1.19% | -167 bps | |
| Return on Equity | 2.07% | -0.01% | -0.04% | 0.91% | -4.66% | -673 bps | |
| Net Interest Margin | 6.33% | 5.28% | 6.01% | 5.98% | 4.80% | -153 bps | |
| Efficiency Ratio | 86.08% | 97.07% | 98.73% | 95.64% | 119.57% | +3,349 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -17.37% | -12.57% | -18.94% | -18.97% | -12.01% | +536 bps | |
| Loan Growth (YoY) | -9.58% | -6.95% | -7.25% | -11.33% | -17.77% | -819 bps | |
| Share Growth (YoY) | -22.17% | -16.22% | -24.12% | -24.13% | -14.24% | +793 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.82% | 4.69% | 2.35% | 10.87% | 6.43% | +61 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.34% | 2.03% | 1.82% | 1.97% | 2.20% | -14 bps | |
| Capital | |||||||
| Risk-Based Capital | 23.44% | 22.61% | 24.60% | 24.94% | 25.45% | +201 bps | |
| Net Worth / Assets | 23.44% | 22.61% | 24.60% | 24.94% | 25.45% | +201 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 93.85% | 89.76% | 95.32% | 89.23% | 89.99% | -386 bps | |
| Liquid Assets / Assets | 26.85% | 28.85% | 26.18% | 31.21% | 30.66% | +381 bps | |