Lansing, MI · Charter 1033
Q4 2012
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 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.53% | 0.10% | 0.29% | 0.54% | 0.54% | +1 bps | |
| Return on Equity | 4.72% | 0.95% | 2.66% | 4.70% | 4.68% | -4 bps | |
| Net Interest Margin | 3.39% | 3.09% | 3.13% | 3.15% | 3.15% | -25 bps | |
| Efficiency Ratio | 77.78% | 86.26% | 81.43% | 78.98% | 79.74% | +196 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.83% | 4.27% | 4.26% | 3.34% | 2.48% | -134 bps | |
| Loan Growth (YoY) | -3.06% | -1.26% | -0.24% | 2.03% | 3.60% | +666 bps | |
| Share Growth (YoY) | 3.69% | 4.20% | 4.21% | 3.04% | 2.25% | -144 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.74% | 1.46% | 1.27% | 1.10% | 1.25% | -49 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.70% | 1.68% | 1.63% | 1.49% | 1.48% | -22 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.32% | 10.84% | 11.06% | 11.43% | 11.59% | +27 bps | |
| Net Worth / Assets | 11.32% | 10.84% | 11.06% | 11.43% | 11.59% | +27 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 65.98% | 62.21% | 64.28% | 66.25% | 66.86% | +87 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |