Birmingham, AL · Charter 68543
Q2 2015
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 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.43% | -0.55% | -0.41% | -2.52% | -2.89% | -246 bps | |
| Return on Equity | -2.97% | -3.82% | -2.80% | -18.61% | -21.50% | -1,853 bps | |
| Net Interest Margin | 2.90% | 2.95% | 2.95% | 2.84% | 2.91% | +2 bps | |
| Efficiency Ratio | 105.72% | 108.06% | 99.17% | 251% | 179.51% | +7,379 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.18% | -1.32% | -0.56% | -1.87% | -5.08% | -291 bps | |
| Loan Growth (YoY) | 1.08% | 5.02% | 5.79% | 3.09% | -4.71% | -579 bps | |
| Share Growth (YoY) | -0.89% | -1.26% | -1.00% | -1.61% | -4.32% | -343 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.42% | 0.75% | 1.09% | 0.77% | 2.60% | +19 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.37% | 2.32% | 2.57% | 2.63% | 2.98% | +61 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.30% | 14.36% | 14.51% | 13.52% | 13.43% | -87 bps | |
| Net Worth / Assets | 14.30% | 14.36% | 14.51% | 13.52% | 13.43% | -87 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 48.32% | 50.80% | 51.54% | 48.65% | 48.12% | -20 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |