Birmingham, AL · Charter 64603
NCUA · 2 branches
Q1 2025
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.02% | -2.21% | -1.69% | -2.04% | -1.77% | -175 bps | |
| Return on Equity | -0.15% | -21.38% | -16.38% | -20.42% | -19.41% | -1,926 bps | |
| Net Interest Margin | 5.68% | 5.75% | 5.82% | 5.90% | 5.27% | -42 bps | |
| Efficiency Ratio | 100.20% | 106.57% | 106.35% | 103.71% | 123.37% | +2,317 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.60% | -12.08% | -4.60% | -4.63% | -5.50% | +609 bps | |
| Loan Growth (YoY) | -9.09% | -10.84% | -16.21% | -17.70% | -19.84% | -1,074 bps | |
| Share Growth (YoY) | -10.01% | -6.67% | 1.06% | -0.44% | 1.76% | +1,177 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.15% | 7.13% | 4.38% | 4.99% | 5.86% | -29 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.78% | 10.33% | 10.32% | 9.98% | 9.12% | -167 bps | |
| Net Worth / Assets | 10.78% | 10.33% | 10.32% | 9.98% | 9.12% | -167 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 90.28% | 86.10% | 84.44% | 79.09% | 71.11% | -1,916 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |