Statesboro, GA · Charter 14915
Q4 2000
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 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.51% | 0.75% | -1.82% | -15.49% | -7.71% | -1,023 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | -142.55% | n/a | n/a |
| Net Interest Margin | n/a | n/a | 5.96% | 5.59% | 6.10% | n/a | |
| Efficiency Ratio | n/a | n/a | 91.74% | 123.78% | 103.20% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 4.78% | 14.01% | -6.80% | -16.36% | -18.64% | -2,342 bps | |
| Loan Growth (YoY) | 23.35% | 31.88% | 14.83% | -26.94% | -21.05% | -4,440 bps | |
| Share Growth (YoY) | 4.40% | 18.53% | -5.43% | -8.33% | -12.50% | -1,690 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 9.30% | 9.56% | 7.83% | 1.79% | 4.34% | -496 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.13% | 4.06% | 4.58% | 2.05% | 2.22% | +9 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 5.41% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 5.41% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 104.27% | 83.41% | 97.29% | 75.56% | 94.09% | -1,019 bps | |
| Liquid Assets / Assets | 0.26% | 17.76% | 11.20% | 0.00% | 10.39% | +1,013 bps | |