Dothan, AL · Charter 13228
NCUA · 3 branches
Q4 2018
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 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.92% | 0.86% | 0.80% | 0.76% | 0.60% | -32 bps | |
| Return on Equity | 9.66% | 9.25% | 8.41% | 7.70% | 6.30% | -336 bps | |
| Net Interest Margin | 4.20% | 3.97% | 4.04% | 4.08% | 3.93% | -27 bps | |
| Efficiency Ratio | 76.30% | 75.20% | 75.93% | 76.22% | 79.08% | +278 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.43% | 6.27% | 2.70% | 3.07% | 6.59% | +216 bps | |
| Loan Growth (YoY) | 6.02% | 2.04% | -0.52% | -1.17% | -2.28% | -829 bps | |
| Share Growth (YoY) | 3.82% | 5.94% | 1.98% | 2.50% | 6.41% | +259 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.88% | 1.67% | 1.12% | 1.11% | 1.13% | -75 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.63% | 0.79% | 0.79% | 0.80% | 0.78% | +15 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.52% | 9.27% | 9.56% | 9.82% | 9.53% | +1 bps | |
| Net Worth / Assets | 9.52% | 9.27% | 9.56% | 9.82% | 9.53% | +1 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 93.31% | 88.08% | 89.42% | 90.04% | 85.69% | -762 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |