Jonesboro, GA · Charter 67384
Q2 2005
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 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.75% | 0.67% | 0.77% | 0.32% | -0.33% | -109 bps | |
| Return on Equity | 5.35% | 4.67% | 5.05% | 2.15% | -2.20% | -755 bps | |
| Net Interest Margin | 2.21% | 2.18% | 2.32% | 2.21% | 2.54% | +33 bps | |
| Efficiency Ratio | 78.38% | 69.47% | 68.07% | 78.05% | 86.23% | +785 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.46% | -2.12% | -2.83% | -2.72% | -6.90% | -735 bps | |
| Loan Growth (YoY) | -10.65% | -7.18% | -7.14% | -3.49% | 0.29% | +1,094 bps | |
| Share Growth (YoY) | -0.56% | -3.37% | -4.15% | -3.73% | -8.30% | -773 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.43% | 0.43% | 1.03% | 0.79% | 1.02% | +59 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.90% | 0.92% | 1.04% | 1.15% | 1.56% | +66 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.08% | 14.44% | 15.18% | 14.78% | 15.21% | +113 bps | |
| Net Worth / Assets | 14.08% | 14.44% | 15.18% | 14.78% | 15.21% | +113 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 31.12% | 32.13% | 33.25% | 32.11% | 34.03% | +291 bps | |
| Liquid Assets / Assets | 68.96% | 67.83% | 66.80% | 68.58% | 67.45% | -151 bps | |