PackageTrendsPeer
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Brassies

Anniston, AL · Charter 60593

NCUA · 1 branch

Q2 2020

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2020, the quarter ended June 30, 2020, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Brassies

Anniston, AL · Charter 60593

NCUA · 1 branch

Q2 2020

$3.5MAssets
$1.9MLoans
$3.0MShares
$524KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -8.71%, down 763 bps year over year; NIM at 4.47%.
  • Asset quality: problem loans at 4.63% of loans (+14 bps YoY).
  • Capital: net worth / assets of 14.94%, down 335 bps from a year ago.
  • Funding: loans stand at 63.13% of shares as of Q2 2020.

Financial Results

Return on Assets (YTD, annualized)

-8.71%-763 bps YoY

Net Interest Margin (YTD, annualized)

4.47%-16 bps YoY

Efficiency Ratio (YTD, annualized)

345%+21,887 bps YoY

Net Worth / Assets

14.94%-335 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2019Q3 2019Q4 2019Q1 2020Q2 2020YoY ΔTrend
Earnings
Return on Assets-1.08%-1.21%-1.05%-4.21%-8.71%-763 bps
Return on Equity-5.91%-6.67%-5.71%-23.42%-58.30%-5,239 bps
Net Interest Margin4.63%4.69%4.77%4.44%4.47%-16 bps
Efficiency Ratio126.61%127.40%127.81%233%345%+21,887 bps
Growth
Asset Growth (YoY)-10.24%-9.56%-8.99%-7.00%-7.70%+254 bps
Loan Growth (YoY)-3.14%-0.46%-1.81%-7.49%-12.49%-935 bps
Share Growth (YoY)-10.47%-9.97%-9.83%-6.26%-3.93%+654 bps
Asset Quality
Delinquent Loans / Loans4.49%4.64%5.26%5.44%4.63%+14 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.90%1.91%1.48%1.60%1.94%+4 bps
Capital
Risk-Based Capital18.28%18.09%18.39%17.98%14.94%-335 bps
Net Worth / Assets18.28%18.09%18.39%17.98%14.94%-335 bps
Liquidity & Funding
Loans / Shares69.30%69.44%67.84%66.28%63.13%-617 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps