Monroe, MI · Charter 5940
Q3 2009
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 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.92% | -0.67% | -4.74% | -2.29% | -2.16% | -124 bps | |
| Return on Equity | -6.23% | -4.68% | -37.98% | -17.26% | -15.30% | -907 bps | |
| Net Interest Margin | 4.56% | 4.37% | 3.36% | 3.43% | 3.71% | -84 bps | |
| Efficiency Ratio | 103.55% | 100.00% | 120.15% | 119.38% | 101.47% | -208 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.57% | -0.15% | 4.33% | -3.70% | -5.92% | -235 bps | |
| Loan Growth (YoY) | -3.39% | 0.05% | 1.98% | -4.92% | -6.23% | -284 bps | |
| Share Growth (YoY) | -3.34% | 0.73% | 7.13% | -2.71% | -5.19% | -185 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.96% | 1.52% | 0.82% | 1.86% | 1.76% | -20 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.97% | 1.23% | 1.30% | 1.58% | 0.73% | -125 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.82% | 14.36% | 12.49% | 13.24% | 14.14% | -68 bps | |
| Net Worth / Assets | 14.82% | 14.36% | 12.49% | 13.24% | 14.14% | -68 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 54.63% | 54.87% | 49.26% | 50.12% | 54.04% | -60 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |