Atlanta, GA · Charter 67596
Q3 2009
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 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.13% | 0.06% | -2.47% | -1.52% | -11.37% | -1,151 bps | |
| Return on Equity | 1.33% | 0.62% | -30.59% | -19.43% | -1284% | -128,513 bps | |
| Net Interest Margin | 2.83% | 2.81% | 2.08% | 2.21% | 0.28% | -256 bps | |
| Efficiency Ratio | 87.36% | 89.06% | 104.81% | 107.63% | 1374% | +128,713 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.67% | 0.24% | 11.13% | 12.33% | 7.46% | +579 bps | |
| Loan Growth (YoY) | 13.84% | 10.04% | 7.95% | 8.40% | 5.81% | -803 bps | |
| Share Growth (YoY) | 1.48% | 0.91% | 13.78% | 15.23% | 17.22% | +1,573 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.20% | 0.74% | 0.95% | 4.48% | 4.44% | +324 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.81% | 0.78% | 0.86% | 0.87% | 5.24% | +442 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.16% | 9.99% | 8.07% | 7.83% | 0.89% | -927 bps | |
| Net Worth / Assets | 10.16% | 9.99% | 8.07% | 7.83% | 0.89% | -927 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.56% | 62.84% | 53.51% | 53.28% | 56.47% | -609 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |