Birmingham, AL · Charter 13592
Q3 2008
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 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.08% | -0.57% | -58.78% | -67.57% | -156.34% | -15,526 bps | |
| Return on Equity | -7.15% | -4.22% | -6802% | n/a | n/a | n/a | |
| Net Interest Margin | 4.57% | 4.64% | 7.36% | 6.73% | 11.25% | +668 bps | |
| Efficiency Ratio | 121.52% | 111.05% | 80.15% | 119.98% | 142.51% | +2,099 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.60% | 8.41% | -2.85% | -17.30% | -56.13% | -5,252 bps | |
| Loan Growth (YoY) | -1.85% | 0.57% | -1.19% | 3.82% | -42.03% | -4,018 bps | |
| Share Growth (YoY) | -4.14% | 10.91% | 13.98% | 13.24% | -4.97% | -83 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.29% | 1.75% | 29.98% | 45.48% | 15.56% | +1,127 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.64% | 2.22% | 17.95% | 30.63% | 21.59% | +1,896 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.13% | 13.46% | 0.86% | -15.40% | -82.39% | -9,752 bps | |
| Net Worth / Assets | 15.13% | 13.46% | 0.86% | -15.40% | -82.39% | -9,752 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 113.54% | 98.56% | 98.20% | 100.75% | 69.26% | -4,428 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |