Tuscaloosa, AL · Charter 64464
NCUA · 1 branch
Q4 2023
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.52% | -0.22% | -0.80% | -2.51% | -1.97% | -146 bps | |
| Return on Equity | -9.14% | -4.00% | -13.17% | -65.36% | -53.11% | -4,397 bps | |
| Net Interest Margin | 3.62% | 3.45% | 3.24% | 3.34% | 3.31% | -31 bps | |
| Efficiency Ratio | 110.64% | 100.67% | 119.13% | 148.96% | 138.38% | +2,774 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.53% | 3.54% | 5.40% | -2.29% | -2.56% | -1,109 bps | |
| Loan Growth (YoY) | 11.97% | 9.99% | 6.81% | 3.25% | 1.35% | -1,062 bps | |
| Share Growth (YoY) | 9.24% | -0.23% | 3.32% | -11.27% | -28.37% | -3,761 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.76% | 0.60% | 1.35% | 0.43% | 2.41% | +165 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.71% | 0.00% | 0.00% | 0.00% | 0.00% | -71 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.65% | 5.62% | 6.06% | 3.84% | 3.72% | -194 bps | |
| Net Worth / Assets | 5.65% | 5.62% | 6.06% | 3.84% | 3.72% | -194 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.89% | 62.74% | 63.28% | 69.79% | 84.74% | +2,485 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |