Atlanta, GA · Charter 22243
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 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 22243
Q2 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 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.00% | -1.82% | -0.99% | 0.64% | -6.72% | -372 bps | |
| Return on Equity | -42.20% | -23.41% | -11.99% | 7.59% | -109.47% | -6,727 bps | |
| Net Interest Margin | 5.49% | 5.61% | 5.70% | 4.98% | 5.47% | -2 bps | |
| Efficiency Ratio | 64.30% | 65.26% | 65.12% | 76.79% | 88.59% | +2,429 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.11% | -9.55% | -14.31% | -6.98% | -19.10% | -1,199 bps | |
| Loan Growth (YoY) | 10.53% | -5.57% | -16.72% | -14.63% | -6.87% | -1,740 bps | |
| Share Growth (YoY) | -6.62% | -9.17% | -14.91% | -8.07% | -18.07% | -1,145 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.75% | 1.36% | 0.32% | 5.79% | 7.54% | +580 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.19% | 1.94% | 1.11% | 0.92% | 4.79% | +160 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.10% | 7.76% | 8.25% | 8.45% | 6.14% | -97 bps | |
| Net Worth / Assets | 7.10% | 7.76% | 8.25% | 8.45% | 6.14% | -97 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.41% | 81.74% | 81.08% | 86.84% | 98.22% | +1,181 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |