Auburn, AL · Charter 13867
NCUA · 2 branches
Q4 2018
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 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.59% | 0.35% | 0.30% | 0.46% | 0.50% | -9 bps | |
| Return on Equity | 5.30% | 3.13% | 2.65% | 3.88% | 4.23% | -107 bps | |
| Net Interest Margin | 2.25% | 2.34% | 2.40% | 2.52% | 2.47% | +22 bps | |
| Efficiency Ratio | 77.96% | 84.90% | 85.02% | 80.33% | 80.13% | +217 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.60% | 1.90% | -1.80% | -1.93% | -1.74% | -634 bps | |
| Loan Growth (YoY) | 19.91% | 6.42% | 4.17% | 4.78% | 3.86% | -1,605 bps | |
| Share Growth (YoY) | 4.61% | 2.14% | -0.69% | -1.64% | -2.03% | -663 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.67% | 0.46% | 0.80% | 0.38% | 0.34% | -33 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.82% | 0.80% | 0.87% | 0.90% | 0.87% | +5 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.18% | 11.23% | 11.50% | 11.76% | 11.88% | +70 bps | |
| Net Worth / Assets | 11.18% | 11.23% | 11.50% | 11.76% | 11.88% | +70 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 42.49% | 42.13% | 43.33% | 45.05% | 45.04% | +255 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |