Savannah, GA · Charter 67393
Q1 2008
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 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.43% | 1.43% | 1.91% | 1.89% | -9.69% | -1,112 bps | |
| Return on Equity | 6.94% | 6.86% | 8.86% | 8.59% | -47.60% | -5,454 bps | |
| Net Interest Margin | 4.31% | 4.20% | 4.31% | 4.42% | 1.15% | -315 bps | |
| Efficiency Ratio | 69.19% | 68.34% | 63.31% | 62.12% | 577% | +50,762 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.02% | -0.93% | 1.22% | 0.58% | -2.93% | -695 bps | |
| Loan Growth (YoY) | 0.26% | 8.05% | 8.49% | 12.66% | 16.45% | +1,619 bps | |
| Share Growth (YoY) | 1.97% | -3.76% | -1.16% | -2.04% | -3.33% | -531 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.28% | 1.21% | 0.72% | 0.97% | 2.78% | +151 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.81% | 0.64% | 0.60% | 0.60% | 1.07% | +26 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.58% | 20.87% | 21.51% | 22.01% | 20.37% | -21 bps | |
| Net Worth / Assets | 20.58% | 20.87% | 21.51% | 22.01% | 20.37% | -21 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.39% | 93.43% | 95.74% | 99.54% | 104.06% | +1,767 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |