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The Thrift

Atlanta, GA · Charter 67631

Q3 2011

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 2011, the quarter ended September 30, 2011, 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

The Thrift

Atlanta, GA · Charter 67631

Q3 2011

$9.4MAssets
$2.0MLoans
$7.3MShares
$2.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -3.41%, down 137 bps year over year; NIM at 2.28%.
  • Asset quality: problem loans at 0.82% of loans (+67 bps YoY).
  • Capital: net worth / assets of 23.55%, down 270 bps from a year ago.
  • Funding: loans stand at 26.82% of shares as of Q3 2011.

Financial Results

Return on Assets (YTD, annualized)

-3.41%-137 bps YoY

Net Interest Margin (YTD, annualized)

2.28%-80 bps YoY

Efficiency Ratio (YTD, annualized)

185.98%+3,684 bps YoY

Net Worth / Assets

23.55%-270 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2010Q3 2010Q1 2011Q2 2011Q3 2011YoY ΔTrend
Earnings
Return on Assets-2.04%-2.39%-2.80%-3.10%-3.41%-137 bps
Return on Equity-7.76%-9.19%-11.36%-13.20%-14.46%-670 bps
Net Interest Margin3.08%2.98%2.40%2.29%2.28%-80 bps
Efficiency Ratio149.14%146.57%174.16%178.86%185.98%+3,684 bps
Growth
Asset Growth (YoY)-2.53%-3.91%-3.31%-0.92%-6.64%-411 bps
Loan Growth (YoY)-20.80%-23.38%-26.80%-27.53%-28.00%-720 bps
Share Growth (YoY)-1.48%-1.96%0.91%4.53%-2.92%-144 bps
Asset Quality
Delinquent Loans / Loans0.15%0.16%0.94%0.53%0.82%+67 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.38%0.60%0.64%0.93%1.01%+63 bps
Capital
Risk-Based Capital26.26%25.97%24.64%23.47%23.55%-270 bps
Net Worth / Assets26.26%25.97%24.64%23.47%23.55%-270 bps
Liquidity & Funding
Loans / Shares36.16%34.73%30.41%27.60%26.82%-934 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps