Tuscaloosa, AL · Charter 24515
Q3 2003
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.07% | -1.79% | -17.55% | -9.60% | -6.29% | -322 bps | |
| Return on Equity | -112.98% | -50.43% | -104807% | -2512% | -1037% | -92,407 bps | |
| Net Interest Margin | 7.41% | 7.42% | 7.76% | 8.09% | 7.44% | +3 bps | |
| Efficiency Ratio | 64.42% | 61.03% | 302% | 130.24% | 118.94% | +5,452 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.39% | -0.36% | -27.88% | -37.50% | -37.38% | -4,377 bps | |
| Loan Growth (YoY) | 7.55% | 6.30% | -20.22% | -39.93% | -39.50% | -4,705 bps | |
| Share Growth (YoY) | 12.97% | 0.67% | -23.71% | -36.84% | -35.85% | -4,882 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 11.38% | 13.84% | 18.71% | 28.12% | 41.78% | +3,040 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.67% | 3.35% | 8.53% | 7.54% | 8.50% | +83 bps | |
| Capital | |||||||
| Risk-Based Capital | 2.71% | 3.54% | 0.02% | 0.38% | 0.61% | -211 bps | |
| Net Worth / Assets | 2.71% | 3.54% | 0.02% | 0.38% | 0.61% | -211 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.14% | 64.46% | 67.84% | 71.22% | 65.21% | -393 bps | |
| Liquid Assets / Assets | 32.80% | 34.66% | 19.26% | 31.03% | 37.09% | +429 bps | |