Birmingham, AL · Charter 64356
Q2 2009
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 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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/a | n/a | n/a | |
| Net Interest Margin | 6.71% | 6.80% | 6.24% | 6.24% | 5.23% | -147 bps | |
| Efficiency Ratio | 92.56% | 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 / Loans | 19.55% | 19.77% | 22.84% | 13.75% | 31.44% | +1,189 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.70% | 6.30% | 6.20% | 9.88% | 7.34% | +263 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.84% | 5.67% | 5.00% | -2.32% | -2.77% | -1,061 bps | |
| Net Worth / Assets | 7.84% | 5.67% | 5.00% | -2.32% | -2.77% | -1,061 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 108.85% | 103.69% | 94.50% | 87.58% | 85.33% | -2,352 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |