Montgomery, AL · Charter 19444
Q2 2012
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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.22% | 0.40% | 0.41% | 0.41% | 0.50% | +28 bps | |
| Return on Equity | 2.01% | 3.45% | 3.46% | 3.51% | 4.31% | +230 bps | |
| Net Interest Margin | 2.90% | 3.02% | 3.15% | 3.05% | 2.96% | +6 bps | |
| Efficiency Ratio | 89.31% | 84.83% | 84.57% | 84.38% | 81.74% | -757 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.24% | 7.07% | -1.52% | 0.35% | 0.93% | -931 bps | |
| Loan Growth (YoY) | 4.13% | 5.51% | 1.90% | 6.95% | 2.34% | -178 bps | |
| Share Growth (YoY) | 10.56% | 7.43% | -2.15% | -0.66% | 0.42% | -1,014 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.98% | 0.36% | 1.23% | 2.07% | 1.00% | +2 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.52% | 0.44% | 0.55% | 0.70% | 0.51% | -2 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.19% | 11.52% | 11.99% | 11.77% | 11.62% | +43 bps | |
| Net Worth / Assets | 11.19% | 11.52% | 11.99% | 11.77% | 11.62% | +43 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 54.35% | 54.50% | 56.80% | 55.14% | 55.39% | +104 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |