Montgomery, AL · Charter 14314
NCUA · 1 branch
Q3 2017
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 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.84% | -2.17% | -13.90% | -7.10% | -5.08% | -224 bps | |
| Return on Equity | -57.04% | -40.46% | -626% | -383% | -276% | -21,933 bps | |
| Net Interest Margin | 6.26% | 6.56% | 3.65% | 4.81% | 5.98% | -28 bps | |
| Efficiency Ratio | 113.93% | 109.11% | 263% | 174.84% | 144.83% | +3,090 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.26% | -8.84% | -8.51% | -8.34% | -10.27% | -401 bps | |
| Loan Growth (YoY) | -20.93% | -15.46% | -11.98% | -8.87% | -3.03% | +1,790 bps | |
| Share Growth (YoY) | -2.25% | -7.37% | -6.86% | -5.27% | -7.48% | -523 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 4.20% | 4.03% | 3.07% | 3.52% | 2.93% | -128 bps | |
| Capital | |||||||
| Risk-Based Capital | 4.98% | 5.37% | 2.22% | 1.85% | 1.84% | -315 bps | |
| Net Worth / Assets | 4.98% | 5.37% | 2.22% | 1.85% | 1.84% | -315 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |