Mount Clemens, MI · Charter 13509
Q2 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2000, the quarter ended June 30, 2000, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Mount Clemens, MI · Charter 13509
Q2 2000
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.34% | 3.67% | 3.22% | 0.52% | -1.08% | -542 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 | 4.16% | 4.47% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 89.29% | 130.68% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 10.74% | 14.15% | 2.33% | -2.05% | 8.51% | -223 bps | |
| Loan Growth (YoY) | -1.06% | -2.41% | 0.47% | -0.06% | 8.84% | +990 bps | |
| Share Growth (YoY) | 9.35% | 13.28% | 0.59% | -3.67% | 9.77% | +43 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.21% | 1.69% | 1.10% | 0.42% | 0.06% | -215 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.58% | 0.74% | 0.72% | 0.56% | 0.28% | -30 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 | 67.99% | 65.64% | 66.24% | 70.62% | 67.41% | -58 bps | |
| Liquid Assets / Assets | 37.47% | 40.26% | 38.78% | 1.84% | 36.05% | -142 bps | |