Atlanta, GA · Charter 67361
Q2 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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.58% | -0.52% | -0.88% | -6.30% | -10.87% | -1,029 bps | |
| Return on Equity | -2.55% | -2.18% | -3.27% | -23.58% | -48.21% | -4,566 bps | |
| Net Interest Margin | 6.29% | 6.45% | 7.05% | 5.43% | 5.45% | -83 bps | |
| Efficiency Ratio | 106.12% | 105.19% | 107.84% | 138.99% | 206% | +10,021 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.28% | -16.46% | -12.57% | -18.46% | -20.28% | -1,000 bps | |
| Loan Growth (YoY) | -2.07% | -5.11% | -19.63% | -16.68% | -18.78% | -1,671 bps | |
| Share Growth (YoY) | -13.31% | -20.49% | -15.62% | -21.99% | -20.31% | -700 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.15% | 2.87% | 3.14% | 2.73% | 1.68% | -147 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.58% | 2.64% | 2.55% | 2.34% | 1.39% | -119 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.74% | 23.89% | 27.01% | 26.73% | 22.54% | -20 bps | |
| Net Worth / Assets | 22.74% | 23.89% | 27.01% | 26.73% | 22.54% | -20 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 94.95% | 95.95% | 105.06% | 102.71% | 96.78% | +183 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |