Macon, GA · Charter 61590
Q3 2012
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 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -7.08% | -7.28% | -10.21% | -8.98% | -9.35% | -227 bps | |
| Return on Equity | -49.66% | -50.45% | -89.75% | -95.68% | -129.78% | -8,012 bps | |
| Net Interest Margin | 3.51% | 3.77% | 3.32% | 3.26% | 3.25% | -26 bps | |
| Efficiency Ratio | 209% | 204% | 267% | 242% | 246% | +3,704 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -21.28% | -27.12% | -21.42% | -14.88% | -8.52% | +1,275 bps | |
| Loan Growth (YoY) | -29.57% | -5.40% | -5.21% | 9.48% | 12.66% | +4,223 bps | |
| Share Growth (YoY) | -19.02% | -25.78% | -18.56% | -10.25% | 0.13% | +1,914 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.51% | 2.45% | 4.18% | 3.32% | 1.64% | -87 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.76% | 2.62% | 3.90% | 4.16% | 2.97% | -79 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.25% | 14.42% | 11.38% | 9.38% | 7.20% | -705 bps | |
| Net Worth / Assets | 14.25% | 14.42% | 11.38% | 9.38% | 7.20% | -705 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 28.78% | 40.03% | 30.30% | 28.82% | 32.39% | +360 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |