Montgomery, AL · Charter 68624
NCUA · 1 branch
Q2 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2020, the quarter ended June 30, 2020, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Montgomery, AL · Charter 68624
NCUA · 1 branch
Q2 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 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.71% | 0.67% | 0.64% | 0.74% | 0.65% | 0.60% | 0.02% | -7.14% | -788 bps | |
| Return on Equity | 5.88% | 5.54% | 5.27% | 5.94% | 5.40% | 4.82% | 0.16% | -136.40% | -14,235 bps | |
| Net Interest Margin | 3.29% | 3.33% | 3.36% | 3.46% | 3.32% | 3.38% | 2.82% | -2.10% | -557 bps | |
| Efficiency Ratio | 81.20% | 82.25% | 82.79% | 82.30% | 83.58% | 84.50% | 96.21% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.19% | 5.65% | 4.21% | 0.31% | 5.10% | 2.27% | 12.18% | 44.08% | +4,377 bps | |
| Loan Growth (YoY) | 17.17% | 19.98% | 19.88% | 15.91% | 14.10% | 8.03% | 3.49% | 1.10% | -1,480 bps | |
| Share Growth (YoY) | 3.54% | 5.48% | 4.08% | 0.32% | 4.43% | 2.67% | 13.28% | 30.65% | +3,033 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.87% | 0.88% | 0.60% | 0.52% | 0.55% | 0.63% | 0.54% | 0.71% | +19 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 | 0.62% | 0.65% | 0.65% | 0.58% | 0.46% | 0.35% | 0.36% | 1.50% | +92 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.01% | 12.07% | 12.06% | 12.45% | 12.05% | 12.40% | 11.15% | 5.24% | -721 bps | |
| Net Worth / Assets | 12.01% | 12.07% | 12.06% | 12.45% | 12.05% | 12.40% | 11.15% | 5.24% | -721 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.43% | 76.94% | 77.39% | 79.91% | 79.14% | 80.95% | 70.70% | 61.84% | -1,807 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |