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Emory

Atlanta, GA · Charter 18746

Q3 2007

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 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.

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

Emory

Atlanta, GA · Charter 18746

Q3 2007

$86.6MAssets
$50.6MLoans
$77.0MShares
$8.8MNet Worth

Executive Summary

  • Earnings: ROA of 0.85%, up 43 bps year over year; NIM at 4.06%.
  • Asset quality: problem loans at 0.41% of loans (-24 bps YoY).
  • Capital: net worth / assets of 10.13%, up 102 bps from a year ago.
  • Funding: loans stand at 65.71% of shares as of Q3 2007.

Return on Assets (YTD, annualized)

0.85%+43 bps YoY

Net Interest Margin (YTD, annualized)

4.06%+46 bps YoY

Efficiency Ratio (YTD, annualized)

86.15%-205 bps YoY

Net Worth / Assets

10.13%+102 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2005Q1 2006Q2 2006Q3 2006Q4 2006Q1 2007Q2 2007Q3 2007YoY ΔTrend
Earnings
Return on Assets0.42%0.25%0.29%0.42%0.50%0.65%0.83%0.85%+43 bps
Return on Equity4.67%2.83%3.17%4.60%5.23%6.86%8.76%8.42%+382 bps
Net Interest Margin3.55%3.48%3.66%3.61%3.80%3.91%4.03%4.06%+46 bps
Efficiency Ratio88.26%90.66%90.40%88.20%86.89%85.91%86.18%86.15%-205 bps
Growth
Asset Growth (YoY)-2.99%-0.90%-3.07%1.08%-0.39%0.18%2.02%-2.15%-324 bps
Loan Growth (YoY)-1.74%0.45%3.16%8.44%12.70%13.53%10.43%7.08%-136 bps
Share Growth (YoY)-3.67%-0.78%-3.34%-2.67%-1.65%-1.00%0.80%-0.43%+225 bps
Asset Quality
Delinquent Loans / Loans0.83%0.52%0.47%0.65%0.61%0.31%0.53%0.41%-24 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.54%0.48%0.49%0.50%0.52%0.62%0.54%0.44%-6 bps
Capital
Risk-Based Capital9.08%8.89%9.28%9.11%9.62%9.46%9.44%10.13%+102 bps
Net Worth / Assets9.08%8.89%9.28%9.11%9.62%9.46%9.44%10.13%+102 bps
Liquidity & Funding
Loans / Shares55.55%53.42%57.65%61.10%63.65%61.26%63.16%65.71%+461 bps
Liquid Assets / Assets25.39%22.87%0.00%0.00%0.00%0.00%0.00%0.00%0 bps