Plainwell, MI · Charter 19421
Q3 2004
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.76% | 1.77% | 1.67% | -1.59% | -3.80% | -556 bps | |
| Return on Equity | 17.88% | 17.12% | 15.92% | -16.72% | -45.39% | -6,327 bps | |
| Net Interest Margin | 4.53% | 4.58% | 4.69% | 4.84% | 5.08% | +56 bps | |
| Efficiency Ratio | 60.23% | 60.58% | 63.14% | 59.08% | 60.61% | +37 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.15% | 8.00% | 4.88% | -3.31% | -8.60% | -1,975 bps | |
| Loan Growth (YoY) | 11.85% | 7.59% | 10.31% | -3.38% | -11.95% | -2,380 bps | |
| Share Growth (YoY) | 10.24% | 6.72% | 3.33% | -4.21% | -7.17% | -1,741 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.41% | 1.57% | 1.68% | 10.74% | 17.06% | +1,465 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.29% | 0.26% | 0.17% | 3.18% | 5.40% | +511 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.83% | 10.31% | 10.47% | 9.49% | 8.38% | -145 bps | |
| Net Worth / Assets | 9.83% | 10.31% | 10.47% | 9.49% | 8.38% | -145 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 96.56% | 98.96% | 100.69% | 92.51% | 91.59% | -497 bps | |
| Liquid Assets / Assets | 7.63% | 4.82% | 3.60% | 12.28% | 7.01% | -62 bps | |