Fairfield, AL · Charter 97083
NCUA · 3 branches
Q4 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 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.07% | -0.36% | -0.42% | -0.56% | -1.12% | -1.16% | -1.24% | -2.57% | -200 bps | |
| Return on Equity | -0.51% | -2.64% | -3.00% | -4.13% | -8.42% | -9.55% | -10.74% | -26.16% | -2,203 bps | |
| Net Interest Margin | 3.72% | 3.73% | 3.78% | 3.70% | 3.52% | 3.16% | 3.04% | 2.94% | -76 bps | |
| Efficiency Ratio | 101.03% | 107.09% | 108.07% | 111.08% | 123.64% | 127.02% | 130.49% | 164.27% | +5,319 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.00% | -1.14% | -2.40% | 0.08% | -2.40% | 5.43% | 9.61% | 10.11% | +1,004 bps | |
| Loan Growth (YoY) | -3.10% | -1.68% | -1.51% | -1.56% | -4.36% | -6.36% | -7.05% | -6.59% | -503 bps | |
| Share Growth (YoY) | -1.71% | -1.71% | -2.58% | -0.09% | -0.27% | 8.90% | 13.61% | 16.07% | +1,615 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.30% | 2.19% | 1.40% | 1.12% | 0.19% | 0.86% | 0.52% | 0.09% | -103 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 | 0.67% | 0.70% | 0.64% | 0.36% | 0.35% | 0.40% | 0.46% | 0.52% | +16 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.76% | 13.78% | 13.97% | 13.63% | 13.28% | 12.14% | 11.58% | 9.81% | -382 bps | |
| Net Worth / Assets | 13.76% | 13.78% | 13.97% | 13.63% | 13.28% | 12.14% | 11.58% | 9.81% | -382 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.97% | 78.36% | 80.00% | 77.94% | 73.81% | 67.38% | 65.45% | 62.73% | -1,522 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |