Gadsden, AL · Charter 67254
Q4 2000
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 | Q4 1999 | Q1 2000 | Q2 2000 | Q3 2000 | Q4 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.64% | 0.30% | 0.55% | -1.36% | -0.97% | -162 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | -11.46% | n/a | n/a |
| Net Interest Margin | 3.86% | 4.16% | 4.04% | 4.00% | 3.72% | -14 bps | |
| Efficiency Ratio | 62.21% | 62.71% | 62.74% | 64.61% | 67.04% | +484 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.39% | -2.52% | -4.59% | -4.44% | 0.83% | +122 bps | |
| Loan Growth (YoY) | -3.66% | -3.86% | -3.38% | -3.40% | -5.85% | -218 bps | |
| Share Growth (YoY) | -0.86% | -2.61% | -5.41% | -3.83% | 2.46% | +333 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.55% | 3.11% | 3.15% | 1.86% | 4.25% | +70 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.90% | 2.16% | 2.14% | 2.02% | 1.87% | +97 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | 8.50% | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | 8.50% | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.40% | 76.66% | 76.73% | 76.66% | 71.12% | -628 bps | |
| Liquid Assets / Assets | 14.83% | 15.57% | 2.55% | 4.30% | 19.26% | +443 bps | |