Birmingham, AL · Charter 60486
Q3 1994
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 1994, the quarter ended September 30, 1994, 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.
Birmingham, AL · Charter 60486
Q3 1994
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 | Q1 1994 | Q2 1994 | Q3 1994 | YoY Δ | Trend |
|---|---|---|---|---|---|
| Earnings | |||||
| Return on Assets | 4.27% | 4.32% | 4.34% | n/a | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | |||||
| Delinquent Loans / Loans | 1.28% | 1.07% | 0.97% | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.57% | 1.39% | 1.29% | n/a | |
| Capital | |||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||
| Loans / Shares | 59.40% | 62.33% | 67.05% | n/a | |
| Liquid Assets / Assets | 11.33% | 6.82% | 7.07% | n/a | |