Saginaw, MI · Charter 60067
Q3 2010
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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.36% | -0.51% | -0.27% | -0.16% | -0.29% | +7 bps | |
| Return on Equity | -2.95% | -4.28% | -2.29% | -1.30% | -2.40% | +54 bps | |
| Net Interest Margin | 3.12% | 3.30% | 3.28% | 3.28% | 3.22% | +10 bps | |
| Efficiency Ratio | 88.05% | 81.25% | 82.17% | 93.58% | 84.53% | -352 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.47% | 0.64% | 4.34% | 2.40% | -1.02% | +45 bps | |
| Loan Growth (YoY) | -4.67% | -4.92% | -6.85% | -7.27% | -12.08% | -741 bps | |
| Share Growth (YoY) | -2.08% | 0.84% | 4.63% | 2.96% | -0.24% | +184 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.62% | 2.67% | 2.26% | 1.19% | 1.30% | -131 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.46% | 1.11% | 0.70% | 0.74% | 0.86% | +40 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.22% | 11.99% | 11.94% | 11.98% | 12.03% | -19 bps | |
| Net Worth / Assets | 12.22% | 11.99% | 11.94% | 11.98% | 12.03% | -19 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.29% | 66.25% | 63.10% | 61.26% | 59.31% | -799 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |