Atlanta, GA · Charter 14385
Q3 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 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.76% | -2.06% | -2.07% | -2.09% | -5.27% | -350 bps | |
| Return on Equity | -10.42% | -12.31% | -13.12% | -13.71% | -39.10% | -2,868 bps | |
| Net Interest Margin | 2.59% | 2.63% | 2.40% | 2.38% | 2.53% | -6 bps | |
| Efficiency Ratio | 138.16% | 140.50% | 149.30% | 151.73% | 192.37% | +5,421 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.22% | -1.04% | -1.08% | -0.76% | -6.74% | -996 bps | |
| Loan Growth (YoY) | -9.08% | -10.94% | -9.50% | -11.20% | -8.29% | +79 bps | |
| Share Growth (YoY) | 5.76% | 0.98% | 1.16% | 1.71% | -3.32% | -908 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.96% | 1.26% | 1.10% | 1.09% | 0.26% | -69 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.97% | 0.99% | 0.98% | 1.01% | 2.83% | +187 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.92% | 16.69% | 15.80% | 15.28% | 13.47% | -345 bps | |
| Net Worth / Assets | 16.92% | 16.69% | 15.80% | 15.28% | 13.47% | -345 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 51.09% | 50.75% | 48.03% | 46.89% | 48.46% | -263 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |