Birmingham, AL · Charter 64593
NCUA · 1 branch
Q3 2022
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 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.15% | -0.10% | -0.08% | 0.20% | -1.15% | -100 bps | |
| Return on Equity | -0.59% | -0.41% | -0.35% | 0.80% | -4.30% | -371 bps | |
| Net Interest Margin | 3.11% | 3.12% | 2.82% | 3.07% | 3.63% | +52 bps | |
| Efficiency Ratio | 101.71% | 100.27% | 102.80% | 93.76% | 130.73% | +2,902 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.77% | 4.68% | 13.55% | 6.65% | -7.52% | -829 bps | |
| Loan Growth (YoY) | -3.63% | -5.84% | -0.51% | 4.77% | 11.86% | +1,549 bps | |
| Share Growth (YoY) | 1.16% | 6.54% | 18.79% | 9.05% | -8.86% | -1,002 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.95% | 1.80% | 2.19% | 1.28% | 2.89% | +94 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.84% | 0.88% | 0.87% | 0.30% | 0.37% | -47 bps | |
| Capital | |||||||
| Risk-Based Capital | 25.54% | 25.71% | 23.68% | 24.64% | 26.76% | +122 bps | |
| Net Worth / Assets | 25.54% | 25.71% | 23.68% | 24.64% | 26.76% | +122 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.00% | 76.91% | 71.65% | 77.82% | 95.72% | +1,773 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |