Atlanta, GA · Charter 67378
Q3 2010
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 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.29% | 0.17% | 0.13% | 0.36% | 142.97% | +14,268 bps | |
| Return on Equity | 2.06% | 1.19% | 0.91% | 2.59% | 1175% | +117,342 bps | |
| Net Interest Margin | 3.50% | 3.17% | 3.08% | 4.44% | -136.56% | -14,006 bps | |
| Efficiency Ratio | 91.69% | 94.80% | 91.13% | 92.00% | 2.20% | -8,949 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.40% | 7.59% | 4.91% | 4.06% | 3.90% | -950 bps | |
| Loan Growth (YoY) | -21.61% | -14.29% | -9.51% | -10.64% | -7.47% | +1,414 bps | |
| Share Growth (YoY) | 16.87% | 9.39% | 6.04% | 4.97% | 6.26% | -1,061 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.74% | 0.00% | 1.14% | 0.35% | 0.07% | -166 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.99% | 4.33% | 4.97% | 4.92% | 5.21% | +22 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.11% | 13.89% | 13.83% | 13.76% | 12.16% | -194 bps | |
| Net Worth / Assets | 14.11% | 13.89% | 13.83% | 13.76% | 12.16% | -194 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 36.22% | 36.81% | 35.81% | 34.27% | 31.54% | -468 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |