Atlanta, GA · Charter 5034
Q4 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1998, the quarter ended December 31, 1998, 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 5034
Q4 1998
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.75% | 4.21% | 3.31% | 1.48% | 1.91% | -184 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 20.32% | 16.62% | 8.12% | -6.04% | -22.68% | -4,300 bps | |
| Loan Growth (YoY) | 65.40% | 31.94% | 7.78% | -15.24% | -36.01% | -10,142 bps | |
| Share Growth (YoY) | 21.38% | 27.57% | 9.99% | -1.74% | -16.43% | -3,780 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.97% | 5.33% | 6.18% | 8.09% | 8.87% | +690 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.66% | 0.66% | 1.64% | 2.34% | 1.92% | +126 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 101.29% | 91.66% | 86.62% | 80.15% | 77.55% | -2,374 bps | |
| Liquid Assets / Assets | 2.18% | 7.56% | 12.14% | 18.63% | 21.33% | +1,914 bps | |