McIntyre, GA · Charter 67699
Q2 2004
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 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.73% | -2.74% | -1.80% | -0.43% | -0.69% | +104 bps | |
| Return on Equity | -6.39% | -10.64% | -6.56% | -1.89% | -3.08% | +331 bps | |
| Net Interest Margin | 6.36% | 5.63% | 6.32% | 5.70% | 5.68% | -68 bps | |
| Efficiency Ratio | 122.28% | 135.33% | 120.26% | 106.25% | 109.93% | -1,235 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.25% | -9.68% | -20.75% | 8.91% | 13.39% | +2,064 bps | |
| Loan Growth (YoY) | 26.80% | 1.20% | -5.52% | 19.77% | 14.57% | -1,224 bps | |
| Share Growth (YoY) | -8.55% | -9.24% | -14.45% | 16.68% | 21.65% | +3,020 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.31% | 0.05% | 0.71% | 1.09% | 1.15% | -17 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.01% | 3.40% | 2.98% | 2.83% | 3.13% | -89 bps | |
| Capital | |||||||
| Risk-Based Capital | 27.08% | 25.80% | 27.49% | 22.80% | 22.33% | -475 bps | |
| Net Worth / Assets | 27.08% | 25.80% | 27.49% | 22.80% | 22.33% | -475 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.23% | 69.84% | 86.25% | 71.20% | 63.31% | -391 bps | |
| Liquid Assets / Assets | 48.92% | 46.66% | 36.28% | 43.77% | 49.58% | +67 bps | |