Birmingham, AL · Charter 11118
Q3 2011
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 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.68% | -4.62% | -0.20% | -15.93% | -13.58% | -1,190 bps | |
| Return on Equity | -5.01% | -19.64% | -4.34% | -160.93% | -184.36% | -17,935 bps | |
| Net Interest Margin | 2.51% | 3.16% | 0.78% | 0.54% | 1.06% | -146 bps | |
| Efficiency Ratio | 156.40% | 167.94% | 78.32% | 249% | 244% | +8,758 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.23% | 43.47% | 509% | 63.74% | 57.56% | +4,733 bps | |
| Loan Growth (YoY) | 16.61% | 15.86% | 55.44% | 48.95% | 38.24% | +2,162 bps | |
| Share Growth (YoY) | 2.31% | 55.97% | 708% | 101.17% | 123.47% | +12,117 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 21.29% | 13.06% | 9.95% | 26.91% | 27.60% | +632 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 10.48% | 6.70% | 5.21% | 12.09% | 14.54% | +406 bps | |
| Capital | |||||||
| Risk-Based Capital | 33.50% | 23.51% | 4.72% | 9.90% | 7.36% | -2,614 bps | |
| Net Worth / Assets | 33.50% | 23.51% | 4.72% | 9.90% | 7.36% | -2,614 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 102.25% | 78.04% | 19.66% | 72.22% | 63.25% | -3,900 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |