Ellenwood, GA · Charter 65608
Q4 2004
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 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.00% | 0.38% | 0.59% | 0.81% | -6.29% | -729 bps | |
| Return on Equity | 5.55% | 2.15% | 3.29% | 4.38% | -52.95% | -5,849 bps | |
| Net Interest Margin | 3.68% | 3.42% | 3.44% | 3.49% | -2.04% | -572 bps | |
| Efficiency Ratio | 77.77% | 86.40% | 84.09% | 80.28% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 3.04% | 1.73% | 0.30% | 0.65% | -0.95% | -398 bps | |
| Loan Growth (YoY) | -9.07% | -5.37% | -3.19% | -1.12% | -3.07% | +601 bps | |
| Share Growth (YoY) | 2.52% | 1.15% | -0.50% | -0.15% | 6.44% | +393 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.64% | 0.85% | 0.93% | 1.38% | 1.74% | +110 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.75% | 1.79% | 1.66% | 1.60% | 1.90% | +14 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.00% | 17.75% | 18.08% | 18.49% | 11.88% | -612 bps | |
| Net Worth / Assets | 18.00% | 17.75% | 18.08% | 18.49% | 11.88% | -612 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 46.65% | 44.48% | 45.77% | 47.17% | 42.48% | -417 bps | |
| Liquid Assets / Assets | 40.74% | 39.05% | 41.19% | 44.48% | 48.43% | +769 bps | |