Pontiac, MI · Charter 11978
Q3 2014
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 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.26% | -1.17% | 0.16% | -1.29% | -5.50% | -323 bps | |
| Return on Equity | -35.78% | -17.63% | 2.49% | -24.46% | -238% | -20,256 bps | |
| Net Interest Margin | 4.27% | 4.15% | 4.18% | 3.69% | 3.87% | -40 bps | |
| Efficiency Ratio | 89.91% | 86.38% | 97.86% | 100.82% | 138.08% | +4,817 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.25% | -8.96% | -8.16% | -1.10% | 5.03% | +1,427 bps | |
| Loan Growth (YoY) | -12.61% | -12.59% | -11.75% | -13.83% | -14.46% | -185 bps | |
| Share Growth (YoY) | -8.94% | -9.30% | -7.74% | -0.65% | 7.92% | +1,686 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.31% | 7.36% | 6.90% | 3.09% | 0.23% | -108 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 7.79% | 7.96% | 8.49% | 6.65% | 8.83% | +104 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.33% | 6.66% | 6.43% | 5.29% | 2.31% | -402 bps | |
| Net Worth / Assets | 6.33% | 6.66% | 6.43% | 5.29% | 2.31% | -402 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 56.88% | 56.82% | 49.96% | 43.13% | 45.08% | -1,179 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |