Birmingham, AL · Charter 9887
Q3 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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -4.11% | -4.97% | -6.73% | -0.49% | -1.92% | +219 bps | |
| Return on Equity | -7.50% | -8.92% | -12.13% | -0.87% | -3.33% | +417 bps | |
| Net Interest Margin | 3.25% | 2.91% | 2.00% | 7.72% | 6.16% | +291 bps | |
| Efficiency Ratio | 210% | 243% | 363% | 97.55% | 123.29% | -8,634 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.54% | -6.52% | -5.57% | -3.83% | -10.05% | -650 bps | |
| Loan Growth (YoY) | -29.80% | -16.54% | 1.65% | 10.70% | -20.20% | +960 bps | |
| Share Growth (YoY) | -0.56% | -5.98% | 1.81% | -0.63% | -12.95% | -1,238 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 10.89% | 18.22% | 11.08% | 6.59% | 7.12% | -377 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 20.54% | 22.70% | 24.00% | 16.86% | 20.95% | +41 bps | |
| Capital | |||||||
| Risk-Based Capital | 54.86% | 55.67% | 55.46% | 56.28% | 57.75% | +290 bps | |
| Net Worth / Assets | 54.86% | 55.67% | 55.46% | 56.28% | 57.75% | +290 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 44.77% | 49.18% | 49.85% | 45.57% | 41.04% | -373 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |