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Alabama Rural Electric

Montgomery, AL · Charter 68624

NCUA · 1 branch

Q2 2020

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

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.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Alabama Rural Electric

Montgomery, AL · Charter 68624

NCUA · 1 branch

Q2 2020

$48.6MAssets
$23.9MLoans
$38.7MShares
$2.5MNet Worth

Executive Summary

  • Earnings: ROA of -7.14%, down 788 bps year over year; NIM at -2.10%.
  • Asset quality: problem loans at 0.71% of loans (+19 bps YoY).
  • Capital: net worth / assets of 5.24%, down 721 bps from a year ago.
  • Funding: loans stand at 61.84% of shares as of Q2 2020.

Return on Assets (YTD, annualized)

-7.14%-788 bps YoY

Net Interest Margin (YTD, annualized)

-2.10%-557 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

5.24%-721 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2018Q4 2018Q1 2019Q2 2019Q3 2019Q4 2019Q1 2020Q2 2020YoY ΔTrend
Earnings
Return on Assets0.71%0.67%0.64%0.74%0.65%0.60%0.02%-7.14%-788 bps
Return on Equity5.88%5.54%5.27%5.94%5.40%4.82%0.16%-136.40%-14,235 bps
Net Interest Margin3.29%3.33%3.36%3.46%3.32%3.38%2.82%-2.10%-557 bps
Efficiency Ratio81.20%82.25%82.79%82.30%83.58%84.50%96.21%n/an/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 / Loans0.87%0.88%0.60%0.52%0.55%0.63%0.54%0.71%+19 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.62%0.65%0.65%0.58%0.46%0.35%0.36%1.50%+92 bps
Capital
Risk-Based Capital12.01%12.07%12.06%12.45%12.05%12.40%11.15%5.24%-721 bps
Net Worth / Assets12.01%12.07%12.06%12.45%12.05%12.40%11.15%5.24%-721 bps
Liquidity & Funding
Loans / Shares72.43%76.94%77.39%79.91%79.14%80.95%70.70%61.84%-1,807 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps