Mobile, AL · Charter 64610
Q4 1998
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.31% | 4.24% | 4.96% | 4.55% | 4.10% | -121 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 | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -5.23% | -1.39% | 9.17% | 5.07% | 0.88% | +611 bps | |
| Loan Growth (YoY) | -11.00% | -5.47% | 5.59% | -0.01% | -3.85% | +715 bps | |
| Share Growth (YoY) | -8.61% | -4.34% | 7.04% | 2.70% | -2.57% | +604 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.11% | 3.81% | 4.79% | 8.11% | 2.45% | -266 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.23% | 3.60% | 1.62% | 2.19% | 0.31% | -292 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 | 91.29% | 89.75% | 88.03% | 82.39% | 90.08% | -121 bps | |
| Liquid Assets / Assets | 9.80% | 9.08% | 9.52% | 19.82% | 12.28% | +248 bps | |