Livonia, MI · Charter 60256
Q3 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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.72% | 0.75% | 0.13% | 0.40% | 0.38% | -34 bps | |
| Return on Equity | 4.17% | 4.31% | 0.80% | 2.38% | 2.16% | -201 bps | |
| Net Interest Margin | 4.90% | 4.90% | 4.29% | 4.26% | 4.45% | -45 bps | |
| Efficiency Ratio | 86.53% | 86.57% | 92.09% | 91.91% | 90.51% | +398 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.41% | 5.41% | 3.43% | 1.75% | 1.79% | -362 bps | |
| Loan Growth (YoY) | -7.60% | -8.83% | -2.73% | -1.81% | -3.58% | +401 bps | |
| Share Growth (YoY) | 4.96% | 6.14% | 3.69% | 2.14% | 2.22% | -274 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.19% | 1.43% | 1.59% | 1.99% | 1.91% | +72 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.11% | 1.07% | 1.30% | 1.04% | 1.27% | +16 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.15% | 17.46% | 16.63% | 16.75% | 17.33% | +19 bps | |
| Net Worth / Assets | 17.15% | 17.46% | 16.63% | 16.75% | 17.33% | +19 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 51.64% | 50.76% | 47.34% | 46.73% | 48.71% | -293 bps | |
| Liquid Assets / Assets | 33.44% | 28.78% | 38.10% | 31.50% | 30.80% | -265 bps | |