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C M A

Birmingham, AL · Charter 64356

Q2 2009

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2009, the quarter ended June 30, 2009, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

C M A

Birmingham, AL · Charter 64356

Q2 2009

$3.8MAssets
$3.3MLoans
$3.9MShares
$-105KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -17.34%, down 364 bps year over year; NIM at 5.23%.
  • Asset quality: problem loans at 31.44% of loans (+1,189 bps YoY).
  • Capital: net worth / assets of -2.77%, down 1,061 bps from a year ago.
  • Funding: loans stand at 85.33% of shares as of Q2 2009.

Financial Results

Return on Assets (YTD, annualized)

-17.34%-364 bps YoY

Net Interest Margin (YTD, annualized)

5.23%-147 bps YoY

Efficiency Ratio (YTD, annualized)

112.76%+2,020 bps YoY

Net Worth / Assets

-2.77%-1,061 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2008Q3 2008Q4 2008Q1 2009Q2 2009YoY ΔTrend
Earnings
Return on Assets-13.71%-12.55%-9.80%-31.92%-17.34%-364 bps
Return on Equity-174.83%-221%-195.97%n/an/an/a
Net Interest Margin6.71%6.80%6.24%6.24%5.23%-147 bps
Efficiency Ratio92.56%85.03%81.41%104.85%112.76%+2,020 bps
Growth
Asset Growth (YoY)-10.13%-16.13%-11.59%-20.06%-15.82%-569 bps
Loan Growth (YoY)-8.97%-12.14%-12.97%-21.52%-22.56%-1,359 bps
Share Growth (YoY)-2.50%-2.12%6.41%-5.65%-1.22%+128 bps
Asset Quality
Delinquent Loans / Loans19.55%19.77%22.84%13.75%31.44%+1,189 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.70%6.30%6.20%9.88%7.34%+263 bps
Capital
Risk-Based Capital7.84%5.67%5.00%-2.32%-2.77%-1,061 bps
Net Worth / Assets7.84%5.67%5.00%-2.32%-2.77%-1,061 bps
Liquidity & Funding
Loans / Shares108.85%103.69%94.50%87.58%85.33%-2,352 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps