Selma, AL · Charter 62843
NCUA · 2 branches
Q3 2017
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 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.18% | 0.72% | 3.79% | -33.23% | -34.82% | -3,600 bps | |
| Return on Equity | 9.22% | 5.90% | 30.10% | n/a | n/a | n/a | |
| Net Interest Margin | 6.90% | 6.60% | 7.10% | 6.89% | 7.64% | +73 bps | |
| Efficiency Ratio | 53.33% | 54.98% | 50.92% | 64.48% | 68.63% | +1,530 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.40% | 8.51% | 10.62% | -9.45% | -21.52% | -2,992 bps | |
| Loan Growth (YoY) | 15.54% | 17.11% | 17.08% | 0.16% | -14.67% | -3,021 bps | |
| Share Growth (YoY) | 7.52% | 3.68% | 6.98% | -0.28% | -5.07% | -1,259 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.03% | 2.53% | 3.69% | 13.80% | 14.33% | +1,130 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.48% | 2.77% | 2.32% | 10.94% | 12.95% | +1,047 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.83% | 12.22% | 12.59% | -2.54% | -11.05% | -2,388 bps | |
| Net Worth / Assets | 12.83% | 12.22% | 12.59% | -2.54% | -11.05% | -2,388 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 97.04% | 104.85% | 100.23% | 95.11% | 87.23% | -981 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |