Savannah, GA · Charter 6951
Q2 2006
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 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.93% | -1.22% | -1.19% | 0.33% | -2.51% | -58 bps | |
| Return on Equity | -12.07% | -7.48% | -6.62% | 1.90% | -19.49% | -742 bps | |
| Net Interest Margin | 4.50% | 4.64% | 5.20% | 5.50% | 0.95% | -355 bps | |
| Efficiency Ratio | 121.83% | 117.54% | 112.05% | 95.82% | 278% | +15,624 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.41% | 2.85% | -6.24% | -14.59% | -4.28% | -669 bps | |
| Loan Growth (YoY) | 1.56% | -0.43% | -1.77% | 2.01% | 1.05% | -50 bps | |
| Share Growth (YoY) | 5.01% | 4.74% | -6.50% | -16.65% | -0.79% | -580 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.86% | 2.09% | 1.54% | 1.51% | 0.21% | -65 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.77% | 0.74% | 0.71% | 0.83% | 0.03% | -74 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.00% | 16.33% | 17.89% | 17.61% | 12.90% | -310 bps | |
| Net Worth / Assets | 16.00% | 16.33% | 17.89% | 17.61% | 12.90% | -310 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 57.78% | 63.33% | 71.28% | 69.61% | 58.85% | +107 bps | |
| Liquid Assets / Assets | 44.44% | 41.63% | 35.56% | 38.19% | 0.00% | -4,444 bps | |