Anniston, AL · Charter 11277
Q3 2015
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 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.28% | -1.13% | -13.81% | -7.63% | -5.90% | -463 bps | |
| Return on Equity | -17.69% | -15.24% | -284% | -136.52% | -97.01% | -7,933 bps | |
| Net Interest Margin | 3.93% | 4.00% | 3.94% | 4.56% | 4.97% | +104 bps | |
| Efficiency Ratio | 90.58% | 93.53% | 101.15% | 96.84% | 101.89% | +1,131 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.32% | -3.92% | -15.63% | -25.74% | -33.79% | -3,147 bps | |
| Loan Growth (YoY) | -11.84% | -12.11% | -14.19% | -18.36% | -21.29% | -946 bps | |
| Share Growth (YoY) | -0.84% | -3.39% | -13.11% | -23.89% | -32.92% | -3,207 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.09% | 3.90% | 1.10% | 1.64% | 1.85% | +77 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.96% | 2.05% | 4.27% | 4.45% | 4.53% | +256 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.21% | 7.45% | 4.86% | 5.59% | 6.09% | -112 bps | |
| Net Worth / Assets | 7.21% | 7.45% | 4.86% | 5.59% | 6.09% | -112 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.36% | 62.07% | 62.91% | 68.43% | 71.99% | +1,063 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |