Duluth, GA · Charter 24669
Q1 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2009, the quarter ended March 31, 2009, 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.
Duluth, GA · Charter 24669
Q1 2009
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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.42% | 3.53% | -4.75% | -4.65% | -0.46% | -5 bps | |
| Return on Equity | -4.59% | 39.09% | -82.92% | -58.28% | -5.31% | -72 bps | |
| Net Interest Margin | 3.46% | 3.10% | 3.37% | 4.61% | 5.60% | +214 bps | |
| Efficiency Ratio | 94.66% | 68.58% | 81.14% | 83.01% | 92.17% | -250 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.07% | -23.78% | -27.84% | -27.02% | -33.34% | -2,627 bps | |
| Loan Growth (YoY) | 141.57% | 62.15% | 9.21% | 19.19% | -28.80% | -17,036 bps | |
| Share Growth (YoY) | -8.38% | -26.59% | -28.15% | -26.91% | -33.10% | -2,471 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 14.29% | 12.13% | 1.68% | 1.21% | 1.59% | -1,270 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.45% | 1.61% | 0.00% | 0.56% | 1.89% | -156 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.11% | 9.04% | 5.73% | 7.97% | 8.73% | -38 bps | |
| Net Worth / Assets | 9.11% | 9.04% | 5.73% | 7.97% | 8.73% | -38 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.11% | 59.72% | 51.42% | 96.14% | 73.55% | +444 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |