Atlanta, GA · Charter 5862
Q2 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2005, the quarter ended June 30, 2005, 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 5862
Q2 2005
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 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.67% | -0.85% | -0.98% | -1.42% | -1.35% | +33 bps | |
| Return on Equity | -18.59% | -9.25% | -10.47% | -16.03% | -15.31% | +328 bps | |
| Net Interest Margin | 4.51% | 4.48% | 4.64% | 3.77% | 4.07% | -45 bps | |
| Efficiency Ratio | 93.26% | 89.74% | 91.81% | 90.78% | 92.31% | -95 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.89% | -5.02% | -5.17% | -4.86% | -5.99% | +191 bps | |
| Loan Growth (YoY) | -8.63% | -15.06% | -12.97% | -10.34% | -3.71% | +493 bps | |
| Share Growth (YoY) | -5.96% | -3.57% | -4.53% | -3.62% | -6.41% | -44 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.00% | 1.50% | 2.00% | 1.39% | 1.28% | -172 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.61% | 1.97% | 2.05% | 2.26% | 2.34% | -28 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.01% | 9.24% | 9.38% | 8.85% | 8.80% | -20 bps | |
| Net Worth / Assets | 9.01% | 9.24% | 9.38% | 8.85% | 8.80% | -20 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.68% | 61.03% | 63.63% | 60.46% | 63.46% | +178 bps | |
| Liquid Assets / Assets | 27.46% | 28.32% | 25.75% | 29.93% | 31.46% | +400 bps | |