Birmingham, AL · Charter 64232
NCUA · 1 branch
Q3 2022
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 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.76% | 0.85% | 0.70% | 0.91% | 0.98% | +22 bps | |
| Return on Equity | 7.68% | 8.55% | 7.08% | 8.70% | 9.04% | +136 bps | |
| Net Interest Margin | 2.84% | 2.84% | 2.90% | 2.98% | 3.03% | +19 bps | |
| Efficiency Ratio | 76.31% | 73.31% | 78.21% | 67.73% | 66.06% | -1,024 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.06% | 1.02% | 4.22% | 1.07% | 1.02% | +108 bps | |
| Loan Growth (YoY) | 13.13% | 12.55% | 8.54% | -3.08% | -7.56% | -2,069 bps | |
| Share Growth (YoY) | -0.75% | 0.16% | 3.63% | 0.18% | 0.11% | +86 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.03% | 0.00% | 0.08% | 0.97% | 0.40% | +36 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.74% | 0.61% | 0.67% | 0.60% | 0.59% | -15 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.92% | 9.99% | 9.86% | 10.48% | 10.85% | +93 bps | |
| Net Worth / Assets | 9.92% | 9.99% | 9.86% | 10.48% | 10.85% | +93 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.86% | 86.97% | 83.21% | 85.15% | 82.97% | -689 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |