Detroit, MI · Charter 5255
Q4 2004
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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.10% | -9.89% | -6.22% | -5.37% | -4.84% | -274 bps | |
| Return on Equity | -16.92% | -101.78% | -68.38% | -60.21% | -59.43% | -4,251 bps | |
| Net Interest Margin | 4.04% | 3.70% | 3.94% | 4.10% | 4.13% | +8 bps | |
| Efficiency Ratio | 120.47% | 117.18% | 108.83% | 112.44% | 122.58% | +211 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.80% | -5.73% | -4.49% | -5.58% | -4.50% | -70 bps | |
| Loan Growth (YoY) | -10.74% | -3.55% | 11.68% | 9.31% | -1.73% | +902 bps | |
| Share Growth (YoY) | 0.71% | -1.19% | 0.33% | -1.44% | -2.30% | -302 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.24% | 5.76% | 6.00% | 2.98% | 2.40% | -284 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.89% | 9.53% | 11.42% | 10.06% | 10.41% | +752 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.39% | 9.72% | 9.10% | 8.91% | 8.14% | -425 bps | |
| Net Worth / Assets | 12.39% | 9.72% | 9.10% | 8.91% | 8.14% | -425 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 35.93% | 36.35% | 38.07% | 38.53% | 36.14% | +21 bps | |
| Liquid Assets / Assets | 62.84% | 60.76% | 52.05% | 55.75% | 53.62% | -921 bps | |