Saginaw, MI · Charter 23012
Q2 2014
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 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.60% | -1.85% | -1.19% | -1.92% | -0.61% | +300 bps | |
| Return on Equity | -74.47% | -33.95% | -20.75% | -36.46% | -10.62% | +6,386 bps | |
| Net Interest Margin | 5.68% | 5.93% | 5.89% | 5.14% | 5.29% | -38 bps | |
| Efficiency Ratio | 71.70% | 70.40% | 73.90% | 84.59% | 85.68% | +1,398 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.46% | -5.72% | -4.96% | -5.15% | -8.81% | +65 bps | |
| Loan Growth (YoY) | -6.72% | -7.65% | -3.83% | -12.90% | -18.92% | -1,220 bps | |
| Share Growth (YoY) | -5.34% | -4.69% | -3.98% | -3.39% | -9.43% | -409 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 9.29% | 10.70% | 8.41% | 6.89% | 11.05% | +176 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 9.92% | 9.73% | 10.13% | 8.01% | 9.69% | -23 bps | |
| Capital | |||||||
| Risk-Based Capital | 4.84% | 5.46% | 5.74% | 5.27% | 5.73% | +89 bps | |
| Net Worth / Assets | 4.84% | 5.46% | 5.74% | 5.27% | 5.73% | +89 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.37% | 70.87% | 68.65% | 61.81% | 61.20% | -717 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |