PackageTrendsPeer
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Postal Employees

Huntsville, AL · Charter 64774

NCUA · 1 branch

Q4 2020

$2.9MAssets
$668KLoans
$2.5MShares
$401KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.00%, unchanged from a year ago; NIM at 1.47%.
  • Asset quality: problem loans at 0.82% of loans (+82 bps YoY).
  • Capital: net worth / assets of 13.69%, up 85 bps from a year ago.
  • Funding: loans stand at 26.43% of shares as of Q4 2020.

Financial Results

Return on Assets (quarter, annualized)

0.00%0 bps YoY

Net Interest Margin (quarter, annualized)

1.47%+5 bps YoY

Efficiency Ratio (quarter, annualized)

99.77%+6 bps YoY

Net Worth / Assets

13.69%+85 bps YoY

Discrete quarter, annualized.

MetricQ4 2019Q1 2020Q2 2020Q3 2020Q4 2020YoY ΔTrend
Earnings
Return on Assets0.00%1.37%1.16%1.06%0.00%0 bps
Return on Equity0.03%9.81%8.21%7.34%0.02%-1 bps
Net Interest Margin1.42%3.29%2.85%2.62%1.47%+5 bps
Efficiency Ratio99.72%58.51%59.14%59.60%99.77%+6 bps
Growth
Asset Growth (YoY)-1.89%-3.50%-3.57%-2.88%-6.16%-427 bps
Loan Growth (YoY)-5.38%-13.58%-16.57%-33.73%-43.17%-3,779 bps
Share Growth (YoY)-2.17%-3.99%-3.49%-2.32%-7.07%-490 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.78%0.96%0.82%+82 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.92%2.16%2.60%3.21%3.74%+182 bps
Capital
Risk-Based Capital12.84%13.93%14.16%14.42%13.69%+85 bps
Net Worth / Assets12.84%13.93%14.16%14.42%13.69%+85 bps
Liquidity & Funding
Loans / Shares43.23%41.88%37.97%30.95%26.43%-1,679 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps