PackageTrendsPeer
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Mount Clemens

Mount Clemens, MI · Charter 13509

Q2 2000

$5.8MAssets
$3.4MLoans
$5.0MShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -1.08%, down 542 bps year over year; NIM at 4.47%.
  • Asset quality: problem loans at 0.06% of loans (-215 bps YoY).
  • Funding: loans stand at 67.41% of shares as of Q2 2000.

Financial Results

Return on Assets (quarter, annualized)

-1.08%-542 bps YoY

Net Interest Margin (quarter, annualized)

4.47%

Efficiency Ratio (quarter, annualized)

130.68%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000YoY ΔTrend
Earnings
Return on Assets4.34%3.67%3.22%0.52%-1.08%-542 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a4.16%4.47%n/a
Efficiency Ration/an/an/a89.29%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 / Loans2.21%1.69%1.10%0.42%0.06%-215 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.58%0.74%0.72%0.56%0.28%-30 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares67.99%65.64%66.24%70.62%67.41%-58 bps
Liquid Assets / Assets37.47%40.26%38.78%1.84%36.05%-142 bps