Birmingham, AL · Charter 11278
Q3 2002
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 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | Q3 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.98% | 0.31% | -0.45% | -1.16% | -0.86% | -184 bps | |
| Return on Equity | 4.75% | 1.66% | -2.47% | -6.84% | -5.12% | -987 bps | |
| Net Interest Margin | 5.68% | 4.42% | 4.23% | 3.79% | 1.42% | -426 bps | |
| Efficiency Ratio | 87.94% | 95.34% | 107.38% | 106.61% | 130.41% | +4,247 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.88% | 4.73% | 3.63% | 3.36% | 12.66% | +1,753 bps | |
| Loan Growth (YoY) | 7.50% | -14.68% | -10.97% | -26.06% | -22.61% | -3,011 bps | |
| Share Growth (YoY) | -8.89% | 3.37% | 3.47% | 5.57% | 18.78% | +2,768 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.73% | 1.83% | 3.77% | 7.29% | 4.53% | +280 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.25% | 1.67% | 1.44% | 1.36% | 1.06% | -119 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.62% | 18.38% | 18.22% | 17.03% | 16.78% | -384 bps | |
| Net Worth / Assets | 20.62% | 18.38% | 18.22% | 17.03% | 16.78% | -384 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 118.41% | 86.20% | 85.76% | 79.85% | 77.15% | -4,127 bps | |
| Liquid Assets / Assets | 1.97% | 28.26% | 23.95% | 31.58% | 34.79% | +3,283 bps | |