Augusta, GA · Charter 8659
Q3 2009
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 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.26% | 0.05% | -1.44% | 0.42% | 0.26% | -1 bps | |
| Return on Equity | 3.40% | 0.58% | -22.86% | 5.93% | 3.65% | +25 bps | |
| Net Interest Margin | 4.05% | 4.24% | 3.62% | 3.77% | 3.81% | -23 bps | |
| Efficiency Ratio | 94.06% | 95.05% | 101.72% | 84.34% | 89.15% | -491 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.17% | -1.78% | -5.98% | -6.64% | -3.84% | -701 bps | |
| Loan Growth (YoY) | -2.38% | -2.61% | 2.19% | 0.48% | 1.79% | +417 bps | |
| Share Growth (YoY) | 2.54% | -0.57% | -1.22% | -4.49% | -1.92% | -446 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.89% | 1.43% | 0.95% | 0.92% | 0.71% | -119 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.65% | 0.71% | 1.11% | 0.97% | 0.71% | +6 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.73% | 7.99% | 6.32% | 7.03% | 7.04% | -68 bps | |
| Net Worth / Assets | 7.73% | 7.99% | 6.32% | 7.03% | 7.04% | -68 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 65.15% | 69.71% | 65.68% | 67.81% | 67.61% | +246 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |