Mobile, AL · Charter 14325
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 | 0.52% | 0.37% | -0.78% | -0.45% | -12.70% | -1,322 bps | |
| Return on Equity | 2.06% | 1.33% | -2.85% | -1.66% | -65.86% | -6,793 bps | |
| Net Interest Margin | 5.61% | 6.15% | 6.01% | 5.88% | -1.54% | -715 bps | |
| Efficiency Ratio | 81.56% | 82.50% | 82.34% | 82.11% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -9.13% | -13.78% | -10.50% | -8.76% | -12.51% | -338 bps | |
| Loan Growth (YoY) | -5.37% | -0.25% | 0.43% | -0.70% | -7.12% | -174 bps | |
| Share Growth (YoY) | -13.79% | -18.25% | -14.58% | -10.68% | -9.82% | +397 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.15% | 2.22% | 2.40% | 1.77% | 1.65% | -50 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.33% | 1.44% | 1.73% | 1.54% | 4.52% | +319 bps | |
| Capital | |||||||
| Risk-Based Capital | 25.14% | 27.59% | 27.47% | 27.24% | 19.28% | -586 bps | |
| Net Worth / Assets | 25.14% | 27.59% | 27.47% | 27.24% | 19.28% | -586 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.89% | 91.86% | 90.04% | 86.13% | 84.34% | +246 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |