Royal Oak, MI · Charter 60399
Q4 2014
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 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.12% | 0.43% | 0.32% | -0.03% | -3.03% | -290 bps | |
| Return on Equity | -0.80% | 2.83% | 2.03% | -0.20% | -24.60% | -2,380 bps | |
| Net Interest Margin | 4.11% | 3.85% | 3.84% | 3.67% | 3.64% | -47 bps | |
| Efficiency Ratio | 83.00% | 91.16% | 93.58% | 94.37% | 137.52% | +5,451 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.50% | -4.08% | -4.11% | 2.90% | -0.01% | +449 bps | |
| Loan Growth (YoY) | -2.55% | -3.61% | -8.47% | -11.58% | -12.54% | -998 bps | |
| Share Growth (YoY) | -5.96% | -5.66% | -5.84% | 3.43% | 2.86% | +882 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.51% | 1.08% | 1.30% | 0.47% | 0.78% | +26 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.93% | 2.13% | 2.04% | 2.26% | 3.75% | +182 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.33% | 15.28% | 15.75% | 15.07% | 12.30% | -302 bps | |
| Net Worth / Assets | 15.33% | 15.28% | 15.75% | 15.07% | 12.30% | -302 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.33% | 76.82% | 75.35% | 69.86% | 67.46% | -1,188 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |