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Jilapuhn Employees

East Point, GA · Charter 24737

Q2 2005

$226KAssets
$18KLoans
$183KShares
$16KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 17.31%; NIM at 0.11%.
  • Asset quality: problem loans at 0.00% of loans.
  • Capital: net worth / assets of 7.20%.
  • Funding: loans stand at 9.74% of shares as of Q2 2005.

Financial Results

Return on Assets (YTD, annualized)

17.31%

Net Interest Margin (YTD, annualized)

0.11%

Efficiency Ratio (YTD, annualized)

16.67%

Net Worth / Assets

7.20%

Year to date, annualized, through each quarter.

MetricQ1 2005Q2 2005YoY ΔTrend
Earnings
Return on Assets24.24%17.31%n/a
Return on Equity400%240%n/a
Net Interest Margin-0.77%0.11%n/a
Efficiency Ratio77.92%16.67%n/a
Growth
Asset Growth (YoY)n/an/an/an/a
Loan Growth (YoY)n/an/an/an/a
Share Growth (YoY)n/an/an/an/a
Asset Quality
Delinquent Loans / Loans0.00%0.00%n/a
Net Charge-Offs / Loansn/an/an/an/a
Allowance / Loans0.00%0.00%n/a
Capital
Risk-Based Capital6.06%7.20%n/a
Net Worth / Assets6.06%7.20%n/a
Liquidity & Funding
Loans / Shares33.52%9.74%n/a
Liquid Assets / Assets51.54%47.25%n/a