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GPC Credit Assoc

Atlanta, GA · Charter 67596

Q3 2009

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2009, the quarter ended September 30, 2009, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

GPC Credit Assoc

Atlanta, GA · Charter 67596

Q3 2009

$53.5MAssets
$29.1MLoans
$51.6MShares
$474KNet Worth

Executive Summary

  • Earnings: ROA of -11.37%, down 1,151 bps year over year; NIM at 0.28%.
  • Asset quality: problem loans at 4.44% of loans (+324 bps YoY).
  • Capital: net worth / assets of 0.89%, down 927 bps from a year ago.
  • Funding: loans stand at 56.47% of shares as of Q3 2009.

Return on Assets (YTD, annualized)

-11.37%-1,151 bps YoY

Net Interest Margin (YTD, annualized)

0.28%-256 bps YoY

Efficiency Ratio (YTD, annualized)

1374%+128,713 bps YoY

Net Worth / Assets

0.89%-927 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2007Q1 2008Q2 2008Q3 2008Q4 2008Q1 2009Q2 2009Q3 2009YoY ΔTrend
Earnings
Return on Assets0.31%0.04%0.02%0.13%0.06%-2.47%-1.52%-11.37%-1,151 bps
Return on Equity3.07%0.38%0.25%1.33%0.62%-30.59%-19.43%-1284%-128,513 bps
Net Interest Margin3.05%2.49%2.58%2.83%2.81%2.08%2.21%0.28%-256 bps
Efficiency Ratio79.40%91.34%92.02%87.36%89.06%104.81%107.63%1374%+128,713 bps
Growth
Asset Growth (YoY)-4.45%-2.13%-0.63%1.67%0.24%11.13%12.33%7.46%+579 bps
Loan Growth (YoY)1.04%5.61%9.67%13.84%10.04%7.95%8.40%5.81%-803 bps
Share Growth (YoY)-5.20%-2.55%-0.72%1.48%0.91%13.78%15.23%17.22%+1,573 bps
Asset Quality
Delinquent Loans / Loans0.60%0.49%0.58%1.20%0.74%0.95%4.48%4.44%+324 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.64%0.69%0.76%0.81%0.78%0.86%0.87%5.24%+442 bps
Capital
Risk-Based Capital10.00%9.60%9.61%10.16%9.99%8.07%7.83%0.89%-927 bps
Net Worth / Assets10.00%9.60%9.61%10.16%9.99%8.07%7.83%0.89%-927 bps
Liquidity & Funding
Loans / Shares57.62%56.40%56.64%62.56%62.84%53.51%53.28%56.47%-609 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps