Montgomery, AL · Charter 64609
Q3 2007
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 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.97% | 1.03% | 0.69% | -0.72% | -0.14% | -111 bps | |
| Return on Equity | 6.36% | 6.74% | 4.64% | -5.39% | -1.06% | -742 bps | |
| Net Interest Margin | 5.05% | 5.03% | 3.51% | 3.71% | 3.55% | -150 bps | |
| Efficiency Ratio | 79.31% | 78.79% | 83.71% | 86.04% | 83.87% | +456 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.59% | -2.65% | -1.97% | -3.53% | 3.12% | +771 bps | |
| Loan Growth (YoY) | -13.66% | -16.94% | -17.18% | -18.77% | -17.22% | -356 bps | |
| Share Growth (YoY) | -4.44% | -4.40% | 0.58% | -2.88% | 2.49% | +693 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.15% | 2.11% | 1.61% | 0.38% | 1.62% | -53 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.74% | 0.56% | 0.56% | 0.90% | 1.07% | +33 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.19% | 15.27% | 14.83% | 13.31% | 13.41% | -178 bps | |
| Net Worth / Assets | 15.19% | 15.27% | 14.83% | 13.31% | 13.41% | -178 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.42% | 63.53% | 57.05% | 56.33% | 53.65% | -1,277 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |