Huntsville, AL · Charter 9031
Q4 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1999, the quarter ended December 31, 1999, 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.
Huntsville, AL · Charter 9031
Q4 1999
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 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.49% | 0.53% | -5.40% | 2.75% | 0.38% | -311 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | 10.54% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 75.17% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -11.44% | -0.51% | -23.99% | -5.77% | -15.77% | -433 bps | |
| Loan Growth (YoY) | 0.27% | -12.85% | -9.40% | 16.24% | 2.63% | +237 bps | |
| Share Growth (YoY) | -13.97% | -1.83% | -20.65% | -2.11% | -9.79% | +418 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.59% | 1.01% | 4.40% | 5.63% | 8.96% | +437 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.85% | 1.41% | 7.05% | 4.51% | 6.43% | +359 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 85.72% | 83.46% | 83.26% | 93.34% | 97.52% | +1,180 bps | |
| Liquid Assets / Assets | 12.88% | 9.38% | 19.51% | 28.76% | 0.21% | -1,266 bps | |