Greenville, MI · Charter 21278
Q2 2013
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 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.09% | 0.99% | 0.95% | 0.31% | 0.62% | -47 bps | |
| Return on Equity | 11.65% | 10.21% | 9.98% | 3.34% | 6.43% | -522 bps | |
| Net Interest Margin | 3.21% | 3.29% | 3.15% | 2.96% | 2.93% | -29 bps | |
| Efficiency Ratio | 74.68% | 75.10% | 75.33% | 81.56% | 81.40% | +672 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.60% | 6.06% | 8.71% | 5.52% | 4.34% | -726 bps | |
| Loan Growth (YoY) | 5.31% | 2.66% | -2.03% | -6.06% | -9.87% | -1,518 bps | |
| Share Growth (YoY) | 11.35% | 4.84% | 8.22% | 4.52% | 3.83% | -751 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.15% | 1.09% | 1.15% | 1.02% | 1.31% | +15 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.22% | 1.17% | 1.16% | 1.17% | 1.04% | -18 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.34% | 9.71% | 9.57% | 9.35% | 9.68% | +34 bps | |
| Net Worth / Assets | 9.34% | 9.71% | 9.57% | 9.35% | 9.68% | +34 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.02% | 60.39% | 56.07% | 51.86% | 51.23% | -779 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |