Warren, MI · Charter 1674
Q2 2007
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 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.61% | 0.73% | 0.81% | 0.68% | 0.70% | +9 bps | |
| Return on Equity | 6.32% | 7.08% | 7.73% | 6.77% | 6.87% | +55 bps | |
| Net Interest Margin | 3.49% | 3.62% | 3.55% | 3.42% | 3.50% | +1 bps | |
| Efficiency Ratio | 87.47% | 85.00% | 80.45% | 82.46% | 81.08% | -639 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.49% | -0.06% | -0.53% | 1.94% | 3.45% | +196 bps | |
| Loan Growth (YoY) | 10.20% | 11.06% | 5.91% | 1.64% | -2.08% | -1,228 bps | |
| Share Growth (YoY) | 0.39% | 0.03% | -0.13% | 2.48% | 4.25% | +386 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.97% | 0.55% | 0.53% | 0.42% | 0.74% | -24 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.35% | 0.34% | 0.37% | 0.37% | 0.37% | +2 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.71% | 10.37% | 10.54% | 10.05% | 10.20% | +49 bps | |
| Net Worth / Assets | 9.71% | 10.37% | 10.54% | 10.05% | 10.20% | +49 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.08% | 94.64% | 93.11% | 85.02% | 83.67% | -541 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |