Montgomery, AL · Charter 66013
Q4 2008
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 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.58% | -2.38% | -1.89% | -0.65% | -0.72% | -430 bps | |
| Return on Equity | 8.99% | -5.99% | -5.01% | -1.68% | -1.67% | -1,066 bps | |
| Net Interest Margin | 5.69% | 0.79% | 0.78% | 1.29% | 1.26% | -444 bps | |
| Efficiency Ratio | 26.07% | 389% | 323% | 147.66% | 152.88% | +12,681 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -14.38% | -19.75% | 7.02% | -2.08% | -9.11% | +526 bps | |
| Loan Growth (YoY) | 12.38% | -19.58% | -0.71% | 4.34% | 11.84% | -54 bps | |
| Share Growth (YoY) | -25.50% | -31.46% | 5.82% | -5.82% | -14.48% | +1,102 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 84.28% | +8,428 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.61% | 4.70% | 4.12% | 4.08% | 4.12% | -49 bps | |
| Capital | |||||||
| Risk-Based Capital | 39.83% | 39.69% | 37.74% | 38.66% | 42.98% | +315 bps | |
| Net Worth / Assets | 39.83% | 39.69% | 37.74% | 38.66% | 42.98% | +315 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.27% | 73.48% | 78.24% | 81.94% | 97.13% | +2,286 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |