Decatur, GA · Charter 19384
Q4 2011
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 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.42% | -7.08% | -3.66% | -2.93% | -4.70% | -328 bps | |
| Return on Equity | -12.69% | -88.84% | -46.80% | -38.63% | -86.73% | -7,404 bps | |
| Net Interest Margin | 3.56% | 3.22% | 3.24% | 3.17% | 3.27% | -30 bps | |
| Efficiency Ratio | 104.40% | 96.17% | 96.26% | 103.97% | 122.24% | +1,784 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.23% | -2.28% | 2.62% | -3.00% | -3.88% | -511 bps | |
| Loan Growth (YoY) | -13.09% | -15.22% | -24.84% | -19.47% | -15.61% | -252 bps | |
| Share Growth (YoY) | 3.72% | 3.61% | 9.23% | 1.39% | 0.85% | -287 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.87% | 8.73% | 10.45% | 4.57% | 3.30% | -358 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.41% | 7.28% | 5.76% | 5.45% | 7.08% | +467 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.16% | 7.97% | 7.82% | 7.60% | 5.42% | -574 bps | |
| Net Worth / Assets | 11.16% | 7.97% | 7.82% | 7.60% | 5.42% | -574 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 52.25% | 47.68% | 43.29% | 43.24% | 43.73% | -853 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |