PackageTrendsPeer
Letter portraitLegal landscape

Jwi Group Employees

Jonesboro, GA · Charter 16328

Q3 2004

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2004, the quarter ended September 30, 2004, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Jwi Group Employees

Jonesboro, GA · Charter 16328

Q3 2004

$1.1MAssets
$387KLoans
$998KShares
$61KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -31.10%, down 3,292 bps year over year; NIM at 4.41%.
  • Asset quality: problem loans at 12.89% of loans (-1,090 bps YoY).
  • Capital: net worth / assets of 5.77%, down 3,147 bps from a year ago.
  • Funding: loans stand at 38.77% of shares as of Q3 2004.

Financial Results

Return on Assets (YTD, annualized)

-31.10%-3,292 bps YoY

Net Interest Margin (YTD, annualized)

4.41%-266 bps YoY

Efficiency Ratio (YTD, annualized)

273%+20,059 bps YoY

Net Worth / Assets

5.77%-3,147 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2003Q4 2003Q1 2004Q2 2004Q3 2004YoY ΔTrend
Earnings
Return on Assets1.82%-0.77%-30.62%-32.70%-31.10%-3,292 bps
Return on Equity4.90%-2.57%-203%-469%-539%-54,387 bps
Net Interest Margin7.06%5.56%6.25%3.16%4.41%-266 bps
Efficiency Ratio72.35%110.31%152.74%330%273%+20,059 bps
Growth
Asset Growth (YoY)-1.34%20.94%32.18%24.44%-2.82%-148 bps
Loan Growth (YoY)-6.37%-16.49%-34.79%-44.69%-55.78%-4,941 bps
Share Growth (YoY)-4.78%29.33%74.99%85.13%46.38%+5,116 bps
Asset Quality
Delinquent Loans / Loans23.79%45.05%4.40%12.45%12.89%-1,090 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.92%3.29%5.44%7.23%5.37%+245 bps
Capital
Risk-Based Capital37.24%30.03%15.08%6.97%5.77%-3,147 bps
Net Worth / Assets37.24%30.03%15.08%6.97%5.77%-3,147 bps
Liquidity & Funding
Loans / Shares128.33%94.17%48.97%41.66%38.77%-8,956 bps
Liquid Assets / Assets13.23%10.39%17.07%63.05%63.15%+4,992 bps