Birmingham, AL · Charter 24591
Q3 2009
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 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -9.65% | -9.43% | -5.70% | -1.99% | -0.50% | +915 bps | |
| Return on Equity | -360% | -424% | -635% | -175.41% | n/a | n/a | |
| Net Interest Margin | 4.63% | 3.77% | 3.67% | 4.54% | 6.40% | +177 bps | |
| Efficiency Ratio | 115.49% | 134.50% | 128.59% | 106.86% | 102.19% | -1,330 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.01% | -21.47% | -21.17% | -21.03% | -19.98% | -1,797 bps | |
| Loan Growth (YoY) | -10.42% | -11.71% | -5.01% | 3.97% | -1.25% | +917 bps | |
| Share Growth (YoY) | 10.48% | -12.26% | -14.80% | -16.13% | -23.53% | -3,401 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.75% | 0.24% | 0.22% | 2.44% | 13.19% | +1,143 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.99% | 6.75% | 7.03% | 6.58% | 7.10% | +111 bps | |
| Capital | |||||||
| Risk-Based Capital | 2.68% | 2.23% | 0.90% | 1.13% | -0.38% | -305 bps | |
| Net Worth / Assets | 2.68% | 2.23% | 0.90% | 1.13% | -0.38% | -305 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 56.24% | 59.98% | 63.63% | 70.07% | 72.64% | +1,639 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |