Tuscaloosa, AL · Charter 60485
NCUA · 3 branches
Q4 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2017, the quarter ended December 31, 2017, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Tuscaloosa, AL · Charter 60485
NCUA · 3 branches
Q4 2017
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 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.59% | 0.16% | 0.35% | 0.52% | 0.55% | -5 bps | |
| Return on Equity | 6.12% | 1.63% | 3.59% | 5.24% | 5.50% | -62 bps | |
| Net Interest Margin | 2.77% | 2.67% | 2.72% | 2.78% | 2.74% | -4 bps | |
| Efficiency Ratio | 83.20% | 92.62% | 88.88% | 85.64% | 84.83% | +163 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.09% | 8.21% | 7.80% | 3.74% | 3.25% | -384 bps | |
| Loan Growth (YoY) | 3.61% | 1.33% | -1.28% | 2.20% | 6.15% | +254 bps | |
| Share Growth (YoY) | 6.78% | 8.61% | 8.12% | 3.18% | 2.70% | -409 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.70% | 0.75% | 0.98% | 0.63% | 0.74% | +3 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.37% | 0.39% | 0.34% | 0.33% | 0.31% | -7 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.69% | 9.51% | 9.66% | 9.98% | 9.93% | +23 bps | |
| Net Worth / Assets | 9.69% | 9.51% | 9.66% | 9.98% | 9.93% | +23 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.86% | 65.30% | 65.17% | 69.45% | 70.14% | +228 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |