Columbus, GA · Charter 7099
Q3 2004
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.60% | -3.04% | 3.76% | 1.11% | 1.35% | +495 bps | |
| Return on Equity | -43.66% | -38.81% | 41.64% | 10.82% | 11.26% | +5,492 bps | |
| Net Interest Margin | 3.50% | 3.58% | 3.92% | 4.71% | 5.26% | +177 bps | |
| Efficiency Ratio | 142.67% | 145.92% | 119.58% | 116.32% | 110.29% | -3,239 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.16% | -2.98% | -8.11% | -26.43% | -27.54% | -2,137 bps | |
| Loan Growth (YoY) | 8.71% | 8.50% | -9.14% | -11.07% | -11.08% | -1,978 bps | |
| Share Growth (YoY) | -3.66% | -0.06% | -8.20% | -27.86% | -30.39% | -2,673 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.00% | 1.46% | 0.93% | 1.37% | 4.78% | +378 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.60% | 3.65% | 2.16% | 2.16% | 2.17% | -143 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.25% | 7.84% | 9.03% | 10.27% | 12.00% | +375 bps | |
| Net Worth / Assets | 8.25% | 7.84% | 9.03% | 10.27% | 12.00% | +375 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 65.69% | 62.45% | 60.99% | 74.75% | 83.91% | +1,822 bps | |
| Liquid Assets / Assets | 38.26% | 40.12% | 41.44% | 29.45% | 7.67% | -3,059 bps | |