Montgomery, AL · Charter 14314
NCUA · 1 branch
Q3 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2017, the quarter ended September 30, 2017, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Montgomery, AL · Charter 14314
NCUA · 1 branch
Q3 2017
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 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.12% | -8.49% | -0.05% | -2.84% | -2.17% | -13.90% | -7.10% | -5.08% | -224 bps | |
| Return on Equity | -1.78% | -180.92% | -0.98% | -57.04% | -40.46% | -626% | -383% | -276% | -21,933 bps | |
| Net Interest Margin | 6.86% | 6.33% | 6.30% | 6.26% | 6.56% | 3.65% | 4.81% | 5.98% | -28 bps | |
| Efficiency Ratio | 88.87% | 193.64% | 86.01% | 113.93% | 109.11% | 263% | 174.84% | 144.83% | +3,090 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.10% | -4.25% | -5.16% | -6.26% | -8.84% | -8.51% | -8.34% | -10.27% | -401 bps | |
| Loan Growth (YoY) | -10.16% | -12.42% | -18.20% | -20.93% | -15.46% | -11.98% | -8.87% | -3.03% | +1,790 bps | |
| Share Growth (YoY) | -2.21% | -0.22% | 0.49% | -2.25% | -7.37% | -6.86% | -5.27% | -7.48% | -523 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.14% | 4.87% | 5.05% | 5.10% | 5.40% | 5.18% | 4.96% | 3.67% | -143 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.31% | 4.04% | 3.75% | 4.20% | 4.03% | 3.07% | 3.52% | 2.93% | -128 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.87% | 4.69% | 4.90% | 4.98% | 5.37% | 2.22% | 1.85% | 1.84% | -315 bps | |
| Net Worth / Assets | 6.87% | 4.69% | 4.90% | 4.98% | 5.37% | 2.22% | 1.85% | 1.84% | -315 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.47% | 69.46% | 67.86% | 64.16% | 67.97% | 65.64% | 65.27% | 67.25% | +309 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |