Clare, MI · Charter 5743
Q1 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 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.80% | 0.94% | 0.91% | 1.04% | 0.49% | -31 bps | |
| Return on Equity | 8.03% | 9.37% | 8.92% | 9.87% | 4.86% | -317 bps | |
| Net Interest Margin | 3.22% | 3.16% | 3.19% | 3.23% | 3.13% | -9 bps | |
| Efficiency Ratio | 76.45% | 74.17% | 76.70% | 75.15% | 87.39% | +1,094 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 17.04% | 17.12% | 13.98% | 10.46% | 7.75% | -928 bps | |
| Loan Growth (YoY) | 6.96% | 9.24% | 9.32% | 2.50% | -0.12% | -707 bps | |
| Share Growth (YoY) | 17.77% | 17.46% | 13.89% | 10.00% | 7.45% | -1,032 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.15% | 0.19% | 0.20% | 0.59% | 0.65% | +51 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.73% | 0.72% | 0.65% | 0.55% | 0.54% | -19 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.97% | 10.05% | 10.20% | 10.50% | 10.18% | +21 bps | |
| Net Worth / Assets | 9.97% | 10.05% | 10.20% | 10.50% | 10.18% | +21 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.06% | 71.24% | 71.08% | 70.41% | 65.12% | -493 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |