Birmingham, AL · Charter 97056
Q1 2008
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 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.72% | 0.80% | 0.78% | 0.79% | 0.64% | -7 bps | |
| Return on Equity | 5.68% | 6.13% | 5.83% | 5.78% | 4.92% | -76 bps | |
| Net Interest Margin | 3.23% | 3.39% | 3.39% | 3.40% | 3.41% | +18 bps | |
| Efficiency Ratio | 82.59% | 81.26% | 82.51% | 81.98% | 81.06% | -154 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.80% | 1.98% | 3.76% | 2.55% | 2.16% | -64 bps | |
| Loan Growth (YoY) | 3.17% | 4.54% | 7.13% | 7.12% | 8.00% | +483 bps | |
| Share Growth (YoY) | 1.32% | 0.44% | 2.40% | 1.78% | 1.68% | +36 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.57% | 0.48% | 0.61% | 0.61% | 0.53% | -5 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.40% | 0.39% | 0.36% | 0.36% | 0.38% | -2 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.61% | 13.12% | 13.32% | 13.60% | 13.08% | +47 bps | |
| Net Worth / Assets | 12.61% | 13.12% | 13.32% | 13.60% | 13.08% | +47 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.37% | 77.85% | 81.31% | 82.53% | 77.92% | +456 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |