Atlanta, GA · Charter 18746
Q3 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2007, the quarter ended September 30, 2007, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Atlanta, GA · Charter 18746
Q3 2007
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 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.42% | 0.50% | 0.65% | 0.83% | 0.85% | +43 bps | |
| Return on Equity | 4.60% | 5.23% | 6.86% | 8.76% | 8.42% | +382 bps | |
| Net Interest Margin | 3.61% | 3.80% | 3.91% | 4.03% | 4.06% | +46 bps | |
| Efficiency Ratio | 88.20% | 86.89% | 85.91% | 86.18% | 86.15% | -205 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.08% | -0.39% | 0.18% | 2.02% | -2.15% | -324 bps | |
| Loan Growth (YoY) | 8.44% | 12.70% | 13.53% | 10.43% | 7.08% | -136 bps | |
| Share Growth (YoY) | -2.67% | -1.65% | -1.00% | 0.80% | -0.43% | +225 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.65% | 0.61% | 0.31% | 0.53% | 0.41% | -24 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.50% | 0.52% | 0.62% | 0.54% | 0.44% | -6 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.11% | 9.62% | 9.46% | 9.44% | 10.13% | +102 bps | |
| Net Worth / Assets | 9.11% | 9.62% | 9.46% | 9.44% | 10.13% | +102 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.10% | 63.65% | 61.26% | 63.16% | 65.71% | +461 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |