Huntsville, AL · Charter 64438
Q2 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2000, the quarter ended June 30, 2000, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Huntsville, AL · Charter 64438
Q2 2000
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.71% | 6.18% | 5.41% | 1.50% | 2.47% | -324 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 3.38% | 4.85% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 67.46% | 62.32% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -26.35% | -31.96% | -33.88% | -37.69% | -16.25% | +1,010 bps | |
| Loan Growth (YoY) | -34.37% | -33.15% | -32.32% | -22.40% | 9.49% | +4,386 bps | |
| Share Growth (YoY) | -31.47% | -37.33% | -38.38% | -44.02% | -28.53% | +294 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 1.59% | 0.58% | 1.48% | 6.45% | +645 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.22% | 2.68% | 3.40% | 3.61% | 3.93% | +170 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 65.54% | 64.27% | 64.33% | 73.97% | 100.41% | +3,487 bps | |
| Liquid Assets / Assets | 35.85% | 38.74% | 44.93% | 35.04% | 28.92% | -694 bps | |