Fayetteville, GA · Charter 15457
Q2 2013
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.27% | 0.25% | 0.28% | 0.39% | 0.34% | +7 bps | |
| Return on Equity | 2.64% | 2.40% | 2.72% | 3.78% | 3.26% | +62 bps | |
| Net Interest Margin | 2.16% | 2.16% | 2.20% | 2.23% | 2.25% | +9 bps | |
| Efficiency Ratio | 93.88% | 94.33% | 92.88% | 87.67% | 88.33% | -555 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.86% | 8.20% | 5.72% | 3.93% | 1.64% | -822 bps | |
| Loan Growth (YoY) | 6.97% | 7.95% | 7.87% | 9.49% | 12.37% | +540 bps | |
| Share Growth (YoY) | 11.04% | 8.83% | 6.13% | 3.85% | 2.52% | -852 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.66% | 0.55% | 0.15% | 0.19% | 0.48% | -19 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.17% | 0.91% | 0.81% | 0.77% | 0.77% | -40 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.28% | 10.32% | 10.44% | 10.30% | 10.43% | +15 bps | |
| Net Worth / Assets | 10.28% | 10.32% | 10.44% | 10.30% | 10.43% | +15 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 33.54% | 34.60% | 35.85% | 35.92% | 36.76% | +322 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |