Jonesboro, GA · Charter 16328
Q3 2004
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 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.82% | -0.77% | -30.62% | -32.70% | -31.10% | -3,292 bps | |
| Return on Equity | 4.90% | -2.57% | -203% | -469% | -539% | -54,387 bps | |
| Net Interest Margin | 7.06% | 5.56% | 6.25% | 3.16% | 4.41% | -266 bps | |
| Efficiency Ratio | 72.35% | 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 / Loans | 23.79% | 45.05% | 4.40% | 12.45% | 12.89% | -1,090 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.92% | 3.29% | 5.44% | 7.23% | 5.37% | +245 bps | |
| Capital | |||||||
| Risk-Based Capital | 37.24% | 30.03% | 15.08% | 6.97% | 5.77% | -3,147 bps | |
| Net Worth / Assets | 37.24% | 30.03% | 15.08% | 6.97% | 5.77% | -3,147 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 128.33% | 94.17% | 48.97% | 41.66% | 38.77% | -8,956 bps | |
| Liquid Assets / Assets | 13.23% | 10.39% | 17.07% | 63.05% | 63.15% | +4,992 bps | |