Atlanta, GA · Charter 67540
Q2 1998
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 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.64% | 4.93% | 4.16% | 4.78% | 4.09% | -54 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -10.97% | -18.12% | -12.49% | -7.10% | -1.92% | +904 bps | |
| Loan Growth (YoY) | -5.56% | -23.55% | -7.25% | -14.65% | -2.68% | +288 bps | |
| Share Growth (YoY) | -15.12% | -14.62% | -17.22% | -9.94% | -2.76% | +1,236 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.63% | +63 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.72% | 8.57% | 7.65% | 7.85% | 7.93% | +21 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 107.20% | 97.77% | 111.31% | 108.41% | 107.29% | +9 bps | |
| Liquid Assets / Assets | 24.24% | 31.29% | 21.98% | 23.67% | 21.96% | -228 bps | |