Montgomery, AL · Charter 60914
Q3 2004
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 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.66% | -0.42% | 2.05% | 1.36% | 1.23% | +189 bps | |
| Return on Equity | -4.92% | -3.12% | 13.93% | 9.14% | 7.83% | +1,275 bps | |
| Net Interest Margin | 4.32% | 4.51% | 6.23% | 5.68% | 5.58% | +126 bps | |
| Efficiency Ratio | 91.27% | 88.83% | 68.39% | 75.56% | 79.31% | -1,196 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.88% | 4.09% | -1.65% | -5.10% | -8.05% | -1,193 bps | |
| Loan Growth (YoY) | 0.23% | 5.95% | 10.95% | 11.85% | 0.38% | +16 bps | |
| Share Growth (YoY) | 5.02% | 5.23% | -2.08% | -6.11% | -10.32% | -1,534 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.45% | 1.92% | 3.48% | 2.33% | 2.11% | -34 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.64% | 1.00% | 1.04% | 1.12% | 1.03% | +38 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.49% | 13.50% | 14.69% | 14.92% | 15.67% | +218 bps | |
| Net Worth / Assets | 13.49% | 13.50% | 14.69% | 14.92% | 15.67% | +218 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.88% | 77.92% | 83.35% | 80.65% | 82.70% | +881 bps | |
| Liquid Assets / Assets | 27.12% | 24.65% | 19.74% | 20.92% | 19.66% | -746 bps | |