Columbus, GA · Charter 24652
Q1 2005
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 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 11.27% | -1.41% | -20.34% | -24.76% | -24.66% | -3,593 bps | |
| Return on Equity | 219% | -84.82% | n/a | n/a | n/a | n/a | |
| Net Interest Margin | 5.08% | 5.17% | 4.56% | 5.93% | 5.06% | -2 bps | |
| Efficiency Ratio | 26.29% | 56.86% | 82.40% | 98.07% | 295% | +26,833 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -17.93% | -20.76% | -9.09% | -10.08% | -22.64% | -471 bps | |
| Loan Growth (YoY) | 60.13% | 39.64% | 29.93% | 7.24% | -29.99% | -9,012 bps | |
| Share Growth (YoY) | -21.35% | -17.59% | 6.30% | 13.08% | 1.37% | +2,272 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 16.70% | 31.20% | 44.48% | 42.55% | 31.46% | +1,477 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.45% | 5.52% | 29.34% | 28.41% | 1.50% | +5 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.14% | 1.66% | -13.12% | -21.97% | -23.70% | -2,884 bps | |
| Net Worth / Assets | 5.14% | 1.66% | -13.12% | -21.97% | -23.70% | -2,884 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.18% | 67.15% | 49.47% | 62.39% | 46.40% | -2,078 bps | |
| Liquid Assets / Assets | 32.15% | 32.46% | 57.47% | 42.15% | 41.66% | +952 bps | |