Birmingham, AL · Charter 12137
Q2 2013
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 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -10.83% | -0.48% | -3.02% | -7.65% | -10.67% | +16 bps | |
| Return on Equity | -110.79% | -5.17% | -41.62% | -124.72% | -370% | -25,909 bps | |
| Net Interest Margin | 2.33% | 1.12% | 1.99% | 6.92% | 5.73% | +340 bps | |
| Efficiency Ratio | 565% | 143.40% | 252% | 203% | 278% | -28,662 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.76% | -6.72% | -7.67% | -7.39% | -7.61% | +15 bps | |
| Loan Growth (YoY) | -18.75% | -9.60% | -3.75% | -0.73% | -2.23% | +1,652 bps | |
| Share Growth (YoY) | 1.02% | 1.59% | -0.88% | 2.15% | 0.65% | -37 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.93% | 23.95% | 22.27% | 20.23% | 19.65% | +1,372 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 12.15% | 11.22% | 10.65% | 12.74% | 11.37% | -78 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.77% | 9.36% | 7.26% | 6.13% | 2.88% | -689 bps | |
| Net Worth / Assets | 9.77% | 9.36% | 7.26% | 6.13% | 2.88% | -689 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 36.73% | 40.08% | 43.61% | 40.15% | 35.68% | -105 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |