Atlanta, GA · Charter 61730
Q2 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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.16% | 0.12% | 0.16% | 0.06% | -0.85% | -101 bps | |
| Return on Equity | 1.23% | 0.92% | 1.21% | 0.49% | -7.01% | -824 bps | |
| Net Interest Margin | 3.35% | 3.26% | 3.23% | 2.93% | 3.08% | -27 bps | |
| Efficiency Ratio | 92.23% | 93.66% | 93.48% | 96.58% | 115.69% | +2,347 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -14.04% | 2.54% | -0.96% | 1.69% | 1.75% | +1,580 bps | |
| Loan Growth (YoY) | -9.59% | -9.73% | -8.39% | -6.51% | -7.71% | +187 bps | |
| Share Growth (YoY) | 2.11% | 1.77% | -2.13% | 1.83% | 2.02% | -10 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.63% | 0.53% | 0.56% | 0.41% | 0.49% | -14 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.96% | 0.90% | 0.92% | 0.85% | 0.74% | -22 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.74% | 12.69% | 12.94% | 12.47% | 12.14% | -60 bps | |
| Net Worth / Assets | 12.74% | 12.69% | 12.94% | 12.47% | 12.14% | -60 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.46% | 53.36% | 53.92% | 51.20% | 50.17% | -529 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |