Birmingham, AL · Charter 61079
Q2 2000
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 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.44% | 0.37% | 4.15% | 0.86% | 1.47% | -297 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 3.79% | 3.76% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 86.61% | 79.61% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -3.54% | 8.06% | 15.08% | 2.94% | 2.53% | +607 bps | |
| Loan Growth (YoY) | 0.42% | 12.86% | -4.41% | -19.28% | 1.59% | +117 bps | |
| Share Growth (YoY) | -6.50% | 12.50% | 14.19% | 0.74% | 0.27% | +677 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.70% | 4.96% | 1.65% | 6.43% | 0.50% | -220 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.09% | 2.45% | 2.06% | 2.77% | 1.45% | -65 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.01% | 75.47% | 70.00% | 77.51% | 79.03% | +103 bps | |
| Liquid Assets / Assets | 7.60% | 11.26% | 19.99% | 1.73% | 11.70% | +410 bps | |