Dearborn Hgts, MI · Charter 12039
Q2 2004
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 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.60% | -0.46% | -0.82% | -0.46% | -1.19% | -60 bps | |
| Return on Equity | -3.20% | -2.26% | -4.12% | -2.61% | -6.06% | -286 bps | |
| Net Interest Margin | 4.43% | 4.73% | 4.75% | 4.10% | 4.72% | +29 bps | |
| Efficiency Ratio | 95.15% | 97.21% | 97.32% | 110.68% | 123.77% | +2,862 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.63% | -10.32% | -6.65% | 5.96% | -10.17% | -655 bps | |
| Loan Growth (YoY) | -16.51% | -7.58% | -5.51% | -4.07% | -5.78% | +1,073 bps | |
| Share Growth (YoY) | -4.46% | -12.48% | -7.27% | 7.39% | -10.81% | -635 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.27% | 2.52% | 0.67% | 0.69% | 1.45% | -81 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.14% | 0.12% | 0.13% | 0.14% | 0.14% | +1 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.68% | 20.27% | 19.95% | 17.67% | 19.69% | +102 bps | |
| Net Worth / Assets | 18.68% | 20.27% | 19.95% | 17.67% | 19.69% | +102 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 40.27% | 49.41% | 46.18% | 36.86% | 42.55% | +227 bps | |
| Liquid Assets / Assets | 37.32% | 36.22% | 33.20% | 25.84% | 18.26% | -1,906 bps | |