Grand Rapids, MI · Charter 60366
Q2 2007
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 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.57% | 0.59% | 0.00% | -0.11% | 0.77% | +19 bps | |
| Return on Equity | 4.81% | 5.03% | 0.03% | -0.98% | 6.39% | +158 bps | |
| Net Interest Margin | 3.29% | 3.20% | 2.75% | 2.72% | 3.37% | +7 bps | |
| Efficiency Ratio | 82.85% | 81.96% | 99.89% | 104.06% | 77.59% | -527 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.64% | -1.36% | -3.01% | -2.24% | -0.81% | +784 bps | |
| Loan Growth (YoY) | -4.22% | 1.36% | 2.11% | 5.76% | -1.53% | +269 bps | |
| Share Growth (YoY) | -10.08% | -4.13% | -3.91% | -2.36% | -1.01% | +907 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.59% | 1.39% | 0.28% | 0.94% | 0.60% | +1 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.25% | 1.18% | 1.16% | 1.14% | 1.27% | +2 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.91% | 11.75% | 11.50% | 11.57% | 11.97% | +6 bps | |
| Net Worth / Assets | 11.91% | 11.75% | 11.50% | 11.57% | 11.97% | +6 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.18% | 67.82% | 69.19% | 69.53% | 63.85% | -34 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |