Warner Robins, GA · Charter 17517
Q3 2010
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 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.72% | -2.41% | -2.98% | -10.61% | -76.52% | -7,481 bps | |
| Return on Equity | -2.85% | -4.18% | -5.09% | -20.33% | -76.95% | -7,409 bps | |
| Net Interest Margin | 4.41% | 3.51% | 3.06% | 0.34% | -52.27% | -5,668 bps | |
| Efficiency Ratio | 139.83% | 167.97% | 198.28% | 1065% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -4.52% | -1.40% | -1.58% | 6.34% | -62.42% | -5,790 bps | |
| Loan Growth (YoY) | -39.20% | -55.10% | -76.18% | -79.63% | -98.68% | -5,948 bps | |
| Share Growth (YoY) | -8.63% | 1.74% | 7.77% | 28.72% | -100.00% | -9,137 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.62% | 3.70% | 1.03% | 6.14% | 63.61% | +6,199 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.02% | 1.16% | 1.15% | 1.05% | 1.00% | -2 bps | |
| Capital | |||||||
| Risk-Based Capital | 60.23% | 57.73% | 58.53% | 52.18% | 99.45% | +3,922 bps | |
| Net Worth / Assets | 60.23% | 57.73% | 58.53% | 52.18% | 99.45% | +3,922 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.86% | 48.89% | 29.59% | 15.43% | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |