Irondale, AL · Charter 11176
NCUA · 1 branch
Q3 2017
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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.08% | 0.05% | 0.07% | 0.09% | 0.07% | 0.01% | 0.06% | 0.06% | -3 bps | |
| Return on Equity | 0.65% | 0.41% | 0.59% | 0.75% | 0.54% | 0.12% | 0.50% | 0.51% | -24 bps | |
| Net Interest Margin | 1.14% | 1.23% | 1.17% | 1.14% | 1.12% | 1.09% | 1.10% | 1.11% | -4 bps | |
| Efficiency Ratio | 89.11% | 87.00% | 88.79% | 87.14% | 88.98% | 97.24% | 94.24% | 94.38% | +724 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.43% | 0.20% | 1.93% | 1.40% | 2.66% | 2.40% | 1.74% | 1.16% | -24 bps | |
| Loan Growth (YoY) | -0.58% | -0.55% | -1.47% | 0.74% | 1.18% | -2.52% | -4.10% | -7.13% | -787 bps | |
| Share Growth (YoY) | 0.79% | 0.29% | 1.78% | 1.62% | 3.09% | 3.68% | 2.66% | 1.83% | +21 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.58% | 0.11% | 0.28% | 0.16% | 0.56% | 0.42% | 0.40% | 0.39% | +23 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.78% | 0.83% | 0.78% | 0.77% | 0.89% | 0.90% | 0.81% | 0.72% | -6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.44% | 12.30% | 12.27% | 12.24% | 12.19% | 12.07% | 12.12% | 12.14% | -10 bps | |
| Net Worth / Assets | 12.44% | 12.30% | 12.27% | 12.24% | 12.19% | 12.07% | 12.12% | 12.14% | -10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 15.85% | 15.55% | 15.59% | 15.86% | 15.55% | 14.62% | 14.57% | 14.47% | -140 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |