Mt Pleasant, MI · Charter 24828
Q1 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2013, the quarter ended March 31, 2013, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Mt Pleasant, MI · Charter 24828
Q1 2013
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 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -5.53% | 25.96% | -12.73% | -13.84% | -17.94% | -1,241 bps | |
| Return on Equity | -47.40% | 103.77% | -55.71% | -63.94% | -493% | -44,572 bps | |
| Net Interest Margin | 2.86% | 2.36% | 2.64% | 3.19% | 4.31% | +145 bps | |
| Efficiency Ratio | 163.59% | 46.44% | 230% | 230% | 272% | +10,867 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 77.26% | 69.34% | 45.62% | -13.60% | -10.90% | -8,816 bps | |
| Loan Growth (YoY) | 192.64% | 62.30% | 38.60% | 33.85% | 14.98% | -17,766 bps | |
| Share Growth (YoY) | 141.82% | 70.54% | 42.38% | -17.32% | -11.11% | -15,293 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.68% | 6.88% | 5.88% | 4.30% | 2.67% | -201 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.89% | 2.29% | 2.21% | 1.97% | 1.29% | +40 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.68% | 25.02% | 22.86% | 21.64% | 3.64% | -804 bps | |
| Net Worth / Assets | 11.68% | 25.02% | 22.86% | 21.64% | 3.64% | -804 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 36.94% | 44.99% | 48.73% | 55.10% | 47.79% | +1,084 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |