Anniston, AL · Charter 60593
NCUA · 1 branch
Q2 2020
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 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.84% | -1.94% | -0.84% | -1.08% | -1.21% | -1.05% | -4.21% | -8.71% | -763 bps | |
| Return on Equity | -10.41% | -10.94% | -4.51% | -5.91% | -6.67% | -5.71% | -23.42% | -58.30% | -5,239 bps | |
| Net Interest Margin | 4.48% | 4.62% | 4.61% | 4.63% | 4.69% | 4.77% | 4.44% | 4.47% | -16 bps | |
| Efficiency Ratio | 127.26% | 129.19% | 124.72% | 126.61% | 127.40% | 127.81% | 233% | 345% | +21,887 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.26% | -9.29% | -10.64% | -10.24% | -9.56% | -8.99% | -7.00% | -7.70% | +254 bps | |
| Loan Growth (YoY) | -4.93% | -9.93% | -8.30% | -3.14% | -0.46% | -1.81% | -7.49% | -12.49% | -935 bps | |
| Share Growth (YoY) | -11.73% | -9.16% | -10.70% | -10.47% | -9.97% | -9.83% | -6.26% | -3.93% | +654 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.85% | 3.53% | 4.15% | 4.49% | 4.64% | 5.26% | 5.44% | 4.63% | +14 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.18% | 2.11% | 2.05% | 1.90% | 1.91% | 1.48% | 1.60% | 1.94% | +4 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.68% | 17.70% | 18.50% | 18.28% | 18.09% | 18.39% | 17.98% | 14.94% | -335 bps | |
| Net Worth / Assets | 17.68% | 17.70% | 18.50% | 18.28% | 18.09% | 18.39% | 17.98% | 14.94% | -335 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 62.80% | 62.30% | 67.16% | 69.30% | 69.44% | 67.84% | 66.28% | 63.13% | -617 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |