Mobile, AL · Charter 18335
Q4 2009
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -12.32% | 1.82% | 0.29% | -25.23% | -21.57% | -925 bps | |
| Return on Equity | -737% | 78.55% | 14.02% | n/a | n/a | n/a | |
| Net Interest Margin | 7.65% | 6.83% | 5.76% | 5.45% | 5.05% | -260 bps | |
| Efficiency Ratio | 77.42% | 81.26% | 94.35% | 99.65% | 108.56% | +3,114 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -14.07% | -21.97% | -26.47% | -26.13% | -21.48% | -741 bps | |
| Loan Growth (YoY) | -8.32% | -15.99% | -20.87% | -37.13% | -39.98% | -3,166 bps | |
| Share Growth (YoY) | -0.88% | -9.71% | -16.38% | -22.72% | -29.90% | -2,903 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 11.95% | 27.57% | 35.88% | 25.44% | 36.95% | +2,501 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 6.50% | 8.47% | 7.73% | 11.18% | 8.28% | +178 bps | |
| Capital | |||||||
| Risk-Based Capital | 1.67% | 2.31% | 2.03% | -16.98% | -19.44% | -2,112 bps | |
| Net Worth / Assets | 1.67% | 2.31% | 2.03% | -16.98% | -19.44% | -2,112 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 92.15% | 96.26% | 94.84% | 82.35% | 78.89% | -1,325 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |