Detroit, MI · Charter 23822
Q3 2003
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 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.51% | 2.64% | -2.05% | -1.15% | -46.03% | -4,854 bps | |
| Return on Equity | 9.98% | 9.79% | -7.81% | -3.91% | -658% | -66,758 bps | |
| Net Interest Margin | 4.30% | 4.70% | 4.81% | 4.64% | 4.75% | +45 bps | |
| Efficiency Ratio | 56.62% | 59.12% | 71.49% | 64.78% | 541% | +48,417 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 20.74% | -23.72% | -24.37% | -16.15% | -37.96% | -5,870 bps | |
| Loan Growth (YoY) | 146.18% | 174.04% | 69.10% | 10.30% | -13.09% | -15,926 bps | |
| Share Growth (YoY) | 23.78% | -31.64% | -31.13% | -22.24% | -19.85% | -4,363 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.25% | 3.68% | 6.17% | 11.41% | 13.95% | +970 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.40% | 1.45% | 0.00% | 1.04% | 6.08% | +368 bps | |
| Capital | |||||||
| Risk-Based Capital | 25.12% | 26.95% | 26.26% | 29.34% | 7.00% | -1,812 bps | |
| Net Worth / Assets | 25.12% | 26.95% | 26.26% | 29.34% | 7.00% | -1,812 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.55% | 93.54% | 81.48% | 86.89% | 81.93% | +638 bps | |
| Liquid Assets / Assets | 40.28% | 27.60% | 34.51% | 35.38% | 23.62% | -1,666 bps | |