Atlanta, GA · Charter 9835
Q2 2003
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 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.10% | -0.60% | -82.62% | -8.32% | -11.60% | -1,150 bps | |
| Return on Equity | -0.61% | -3.50% | -93.50% | -9.39% | -13.50% | -1,289 bps | |
| Net Interest Margin | 2.83% | 1.72% | -61.49% | 3.49% | 2.82% | -1 bps | |
| Efficiency Ratio | 70.22% | 97.29% | n/a | 338% | 511% | +44,061 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.98% | -19.92% | -91.72% | -92.05% | -92.58% | -8,060 bps | |
| Loan Growth (YoY) | -58.09% | -68.59% | -71.31% | -76.46% | -81.37% | -2,327 bps | |
| Share Growth (YoY) | -12.99% | -21.89% | -98.86% | -98.94% | -98.75% | -8,575 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 48.66% | 62.47% | 82.12% | 88.34% | 74.03% | +2,536 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 9.69% | 15.98% | 19.58% | 12.73% | 74.03% | +6,434 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.51% | 17.14% | 88.37% | 88.61% | 85.93% | +6,941 bps | |
| Net Worth / Assets | 16.51% | 17.14% | 88.37% | 88.61% | 85.93% | +6,941 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 9.64% | 7.37% | 435% | 303% | 143.39% | +13,375 bps | |
| Liquid Assets / Assets | 91.06% | 93.13% | 48.83% | 69.73% | 94.61% | +354 bps | |