Birmingham, AL · Charter 8919
NCUA · 1 branch
Q4 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2017, the quarter ended December 31, 2017, 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.
Birmingham, AL · Charter 8919
NCUA · 1 branch
Q4 2017
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 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.37% | 0.06% | 0.17% | 0.73% | -1.45% | -181 bps | |
| Return on Equity | 3.94% | 0.67% | 1.91% | 7.83% | -18.36% | -2,230 bps | |
| Net Interest Margin | 2.06% | 2.05% | 2.05% | 2.02% | 2.17% | +12 bps | |
| Efficiency Ratio | 93.21% | 98.08% | 92.81% | 91.87% | 153.75% | +6,054 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.44% | 1.48% | 3.79% | -1.04% | -0.52% | -296 bps | |
| Loan Growth (YoY) | 7.24% | 5.79% | 9.31% | 1.36% | 0.24% | -700 bps | |
| Share Growth (YoY) | 1.65% | 0.96% | 3.53% | -1.88% | 0.84% | -81 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.08% | 0.00% | 0.19% | +19 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.01% | 1.01% | 1.01% | 0.41% | 0.41% | -61 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.28% | 9.27% | 9.14% | 9.28% | 7.89% | -140 bps | |
| Net Worth / Assets | 9.28% | 9.27% | 9.14% | 9.28% | 7.89% | -140 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.83% | 67.74% | 69.79% | 63.18% | 67.42% | -41 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |