Birmingham, AL · Charter 3160
Q3 2007
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 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.35% | 0.35% | 0.00% | -0.15% | 0.00% | -35 bps | |
| Return on Equity | 2.58% | 2.58% | 0.03% | -1.20% | 0.01% | -257 bps | |
| Net Interest Margin | 3.87% | 3.83% | 3.78% | 3.76% | 3.88% | +1 bps | |
| Efficiency Ratio | 91.17% | 91.74% | 93.66% | 96.90% | 94.34% | +317 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.71% | -2.41% | 1.01% | 7.27% | 7.06% | +1,376 bps | |
| Loan Growth (YoY) | 12.82% | 9.85% | -0.92% | -5.79% | -5.49% | -1,831 bps | |
| Share Growth (YoY) | -7.63% | -0.23% | 1.25% | 7.84% | 13.34% | +2,097 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.67% | 0.53% | 0.46% | 0.84% | 0.59% | -8 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.81% | 0.63% | 0.70% | 0.85% | 0.76% | -5 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.58% | 13.43% | 12.94% | 12.71% | 8.65% | -493 bps | |
| Net Worth / Assets | 13.58% | 13.43% | 12.94% | 12.71% | 8.65% | -493 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.74% | 65.63% | 63.91% | 60.23% | 58.15% | -1,159 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |