Athens, GA · Charter 67396
Q4 2009
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 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.76% | -2.22% | -0.34% | -0.31% | -4.39% | -263 bps | |
| Return on Equity | -11.47% | -15.84% | -2.47% | -2.24% | -42.04% | -3,057 bps | |
| Net Interest Margin | 4.22% | 3.69% | 3.53% | 3.57% | 3.87% | -35 bps | |
| Efficiency Ratio | 103.82% | 103.10% | 80.96% | 87.54% | 128.65% | +2,484 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -21.73% | -16.01% | -10.58% | -7.19% | 3.63% | +2,536 bps | |
| Loan Growth (YoY) | -19.17% | -14.76% | -16.56% | -17.07% | -16.67% | +250 bps | |
| Share Growth (YoY) | -14.18% | -5.90% | 0.68% | 5.77% | 9.74% | +2,392 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.26% | 3.01% | 2.67% | 1.83% | 3.41% | +115 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.87% | 2.65% | 2.07% | 0.57% | 4.94% | +208 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.37% | 14.00% | 13.64% | 13.64% | 10.45% | -493 bps | |
| Net Worth / Assets | 15.37% | 14.00% | 13.64% | 13.64% | 10.45% | -493 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 86.24% | 78.09% | 69.16% | 66.13% | 65.49% | -2,075 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |