Wyandotte, MI · Charter 23705
Q3 2012
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 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.45% | -0.27% | 0.20% | 0.12% | 0.03% | +48 bps | |
| Return on Equity | -4.25% | -2.50% | 2.07% | 1.21% | 0.34% | +459 bps | |
| Net Interest Margin | 3.57% | 3.55% | 3.22% | 3.19% | 3.26% | -30 bps | |
| Efficiency Ratio | 99.80% | 97.24% | 88.98% | 90.95% | 93.08% | -672 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.36% | 2.86% | 3.53% | 6.46% | 6.53% | +889 bps | |
| Loan Growth (YoY) | -12.02% | -10.27% | -8.80% | -6.75% | -5.61% | +640 bps | |
| Share Growth (YoY) | -1.64% | 3.82% | 3.59% | 6.92% | 7.20% | +884 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.93% | 1.83% | 2.63% | 2.22% | 1.63% | -30 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.21% | 2.01% | 2.17% | 1.98% | 2.02% | -19 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.60% | 10.64% | 9.75% | 9.82% | 10.04% | -56 bps | |
| Net Worth / Assets | 10.60% | 10.64% | 9.75% | 9.82% | 10.04% | -56 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 56.89% | 55.46% | 48.50% | 48.71% | 50.09% | -680 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |