Flint, MI · Charter 19197
Q1 2015
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 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -5.31% | -3.10% | -1.11% | -1.50% | -8.37% | -307 bps | |
| Return on Equity | -52.73% | -29.30% | -9.09% | -13.39% | -71.76% | -1,903 bps | |
| Net Interest Margin | 4.15% | 3.43% | 3.23% | 3.06% | 2.86% | -128 bps | |
| Efficiency Ratio | 173.77% | 177.58% | 118.20% | 101.98% | 225% | +5,083 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.78% | -7.39% | -3.63% | -8.81% | -13.17% | -940 bps | |
| Loan Growth (YoY) | -21.31% | -23.30% | -31.91% | -24.06% | -24.73% | -342 bps | |
| Share Growth (YoY) | -4.27% | -8.83% | -5.38% | -8.49% | -15.20% | -1,093 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.58% | 13.26% | 11.05% | 3.20% | 9.89% | +231 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 6.15% | 4.95% | 5.29% | 4.04% | 4.19% | -196 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.06% | 10.57% | 12.19% | 11.20% | 11.67% | +161 bps | |
| Net Worth / Assets | 10.06% | 10.57% | 12.19% | 11.20% | 11.67% | +161 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 37.82% | 35.64% | 30.99% | 37.38% | 33.57% | -425 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |