Cullman, AL · Charter 68497
Q2 2005
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 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.08% | -0.01% | -0.09% | -0.37% | -0.60% | -68 bps | |
| Return on Equity | 0.94% | -0.10% | -1.01% | -4.12% | -6.61% | -754 bps | |
| Net Interest Margin | 3.53% | 3.72% | 3.57% | 3.45% | 3.59% | +6 bps | |
| Efficiency Ratio | 96.41% | 97.41% | 98.06% | 100.85% | 105.94% | +953 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.30% | -4.71% | 0.19% | 3.47% | -4.47% | -577 bps | |
| Loan Growth (YoY) | 4.99% | 8.86% | 14.58% | 28.52% | 24.28% | +1,929 bps | |
| Share Growth (YoY) | 1.17% | -5.18% | 0.24% | 3.93% | -4.54% | -572 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.15% | 1.03% | 0.85% | 0.49% | 2.05% | +90 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.42% | 0.47% | 0.51% | 0.34% | 0.45% | +3 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.96% | 9.42% | 8.98% | 9.06% | 9.02% | +6 bps | |
| Net Worth / Assets | 8.96% | 9.42% | 8.98% | 9.06% | 9.02% | +6 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 63.18% | 71.98% | 71.46% | 79.89% | 82.26% | +1,908 bps | |
| Liquid Assets / Assets | 27.31% | 23.52% | 26.77% | 18.84% | 19.91% | -741 bps | |