Birmingham, AL · Charter 64232
NCUA · 1 branch
Q3 2022
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 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.10% | 0.27% | 0.58% | 0.76% | 0.85% | 0.70% | 0.91% | 0.98% | +22 bps | |
| Return on Equity | 1.13% | 2.92% | 6.12% | 7.68% | 8.55% | 7.08% | 8.70% | 9.04% | +136 bps | |
| Net Interest Margin | 2.38% | 2.46% | 2.68% | 2.84% | 2.84% | 2.90% | 2.98% | 3.03% | +19 bps | |
| Efficiency Ratio | 86.29% | 90.34% | 81.06% | 76.31% | 73.31% | 78.21% | 67.73% | 66.06% | -1,024 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 24.56% | 8.95% | 4.93% | -0.06% | 1.02% | 4.22% | 1.07% | 1.02% | +108 bps | |
| Loan Growth (YoY) | 13.73% | 12.02% | 16.56% | 13.13% | 12.55% | 8.54% | -3.08% | -7.56% | -2,069 bps | |
| Share Growth (YoY) | 27.83% | 9.73% | 4.90% | -0.75% | 0.16% | 3.63% | 0.18% | 0.11% | +86 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.17% | 0.05% | 0.06% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.94% | 0.88% | 0.78% | 0.74% | 0.61% | 0.67% | 0.60% | 0.59% | -15 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.23% | 9.30% | 9.55% | 9.92% | 9.99% | 9.86% | 10.48% | 10.85% | +93 bps | |
| Net Worth / Assets | 9.23% | 9.30% | 9.55% | 9.92% | 9.99% | 9.86% | 10.48% | 10.85% | +93 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.39% | 79.44% | 88.01% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |