Huntsville, AL · Charter 64774
NCUA · 1 branch
Q4 2020
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 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.54% | 2.27% | 2.25% | 0.00% | 1.37% | 1.16% | 1.06% | 0.00% | 0 bps | |
| Return on Equity | 11.38% | 15.93% | 15.07% | 0.03% | 9.81% | 8.21% | 7.34% | 0.02% | -1 bps | |
| Net Interest Margin | 3.64% | 4.02% | 3.83% | 1.42% | 3.29% | 2.85% | 2.62% | 1.47% | +5 bps | |
| Efficiency Ratio | 57.79% | 43.58% | 41.28% | 99.72% | 58.51% | 59.14% | 59.60% | 99.77% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.12% | -2.50% | -3.76% | -1.89% | -3.50% | -3.57% | -2.88% | -6.16% | -427 bps | |
| Loan Growth (YoY) | -4.09% | -10.54% | -10.82% | -5.38% | -13.58% | -16.57% | -33.73% | -43.17% | -3,779 bps | |
| Share Growth (YoY) | -2.43% | -3.08% | -4.40% | -2.17% | -3.99% | -3.49% | -2.32% | -7.07% | -490 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.09% | 0.20% | 0.24% | 0.00% | 0.00% | 0.78% | 0.96% | 0.82% | +82 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.03% | 2.17% | 2.13% | 1.92% | 2.16% | 2.60% | 3.21% | 3.74% | +182 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.49% | 14.23% | 14.91% | 12.84% | 13.93% | 14.16% | 14.42% | 13.69% | +85 bps | |
| Net Worth / Assets | 13.49% | 14.23% | 14.91% | 12.84% | 13.93% | 14.16% | 14.42% | 13.69% | +85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.53% | 43.92% | 45.63% | 43.23% | 41.88% | 37.97% | 30.95% | 26.43% | -1,679 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |