Parchment, MI · Charter 2885
Q4 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 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.45% | 0.66% | 0.76% | 0.76% | 0.51% | +6 bps | |
| Return on Equity | 3.38% | 5.07% | 5.80% | 5.70% | 3.88% | +50 bps | |
| Net Interest Margin | 2.53% | 2.71% | 2.72% | 2.76% | 2.47% | -6 bps | |
| Efficiency Ratio | 86.89% | 78.84% | 78.35% | 79.47% | 83.27% | -362 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.15% | 2.07% | 3.84% | 3.53% | 5.14% | +199 bps | |
| Loan Growth (YoY) | 5.87% | 6.73% | 11.02% | 12.92% | 12.26% | +639 bps | |
| Share Growth (YoY) | 2.77% | 1.47% | 3.57% | 3.51% | 6.06% | +329 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.98% | 0.93% | 1.31% | 1.12% | 1.14% | +16 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.52% | 0.57% | 0.53% | 0.47% | 0.49% | -2 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.25% | 13.00% | 13.10% | 13.40% | 13.12% | -13 bps | |
| Net Worth / Assets | 13.25% | 13.00% | 13.10% | 13.40% | 13.12% | -13 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.66% | 59.82% | 61.04% | 65.59% | 65.26% | +360 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |