Dearborn, MI · Charter 10103
Q2 1999
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.54% | 3.59% | 3.02% | -4.61% | -7.11% | -1,064 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 | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 27.68% | 21.15% | 1.42% | -0.93% | -15.89% | -4,357 bps | |
| Loan Growth (YoY) | 22.47% | 10.55% | -5.20% | 16.30% | -1.00% | -2,347 bps | |
| Share Growth (YoY) | 34.32% | 29.90% | 1.02% | 6.50% | -5.11% | -3,944 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.69% | 21.47% | 15.93% | 15.50% | 23.98% | +1,829 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.01% | 4.64% | 0.52% | 6.65% | 13.34% | +833 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 | 85.93% | 94.71% | 88.73% | 93.85% | 89.66% | +373 bps | |
| Liquid Assets / Assets | 21.64% | 9.91% | 15.77% | 16.58% | 9.90% | -1,174 bps | |