Milledgeville, GA · Charter 61347
Q4 2009
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 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.59% | -2.94% | -0.31% | -0.28% | -12.74% | -1,333 bps | |
| Return on Equity | 2.02% | -10.64% | -1.13% | -1.04% | -77.63% | -7,965 bps | |
| Net Interest Margin | 5.21% | 4.53% | 4.48% | 4.56% | -6.85% | -1,206 bps | |
| Efficiency Ratio | 86.98% | 97.61% | 98.35% | 85.27% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -0.22% | 0.27% | 1.27% | 5.16% | -0.16% | +6 bps | |
| Loan Growth (YoY) | -7.53% | -2.19% | 2.69% | 5.28% | 4.37% | +1,190 bps | |
| Share Growth (YoY) | -1.14% | 0.38% | 1.43% | 7.05% | 17.96% | +1,910 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.17% | 1.19% | 0.18% | 1.76% | 1.81% | +64 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.72% | 2.03% | 1.55% | 1.67% | 1.58% | -14 bps | |
| Capital | |||||||
| Risk-Based Capital | 29.11% | 27.63% | 26.91% | 27.08% | 16.42% | -1,270 bps | |
| Net Worth / Assets | 29.11% | 27.63% | 26.91% | 27.08% | 16.42% | -1,270 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 99.95% | 90.26% | 90.06% | 92.80% | 88.43% | -1,151 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |