Atlanta, GA · Charter 24161
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 31, 2014, 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 24161
Q4 2014
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 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.51% | -0.52% | -0.42% | -0.12% | -0.18% | +33 bps | |
| Return on Equity | -7.40% | -7.60% | -6.25% | -1.68% | -2.15% | +525 bps | |
| Net Interest Margin | 2.31% | 2.08% | 1.98% | 2.17% | 2.45% | +14 bps | |
| Efficiency Ratio | 94.00% | 113.01% | 112.92% | 102.18% | 102.12% | +811 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.55% | 0.93% | 1.74% | -0.97% | -19.23% | -2,178 bps | |
| Loan Growth (YoY) | -29.01% | -18.65% | -16.93% | -21.31% | -26.51% | +251 bps | |
| Share Growth (YoY) | 3.34% | 1.97% | 2.79% | -0.98% | -20.76% | -2,410 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.46% | 12.22% | 27.69% | 29.79% | 15.45% | +799 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.26% | 1.34% | 1.45% | 1.56% | 2.12% | -14 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.92% | 6.87% | 6.77% | 7.19% | 8.39% | +147 bps | |
| Net Worth / Assets | 6.92% | 6.87% | 6.77% | 7.19% | 8.39% | +147 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 24.99% | 24.94% | 23.36% | 22.75% | 23.18% | -181 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |