Ann Arbor, MI · Charter 60418
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 | -0.78% | -0.99% | -0.79% | -0.04% | -1.21% | -43 bps | |
| Return on Equity | -9.93% | -12.67% | -10.53% | -0.55% | -16.94% | -700 bps | |
| Net Interest Margin | 3.74% | 3.95% | 3.91% | 4.17% | 4.36% | +62 bps | |
| Efficiency Ratio | 70.53% | 70.91% | 73.33% | 81.73% | 89.89% | +1,936 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.71% | 2.56% | 4.73% | -0.68% | -7.57% | -828 bps | |
| Loan Growth (YoY) | -4.29% | -5.08% | -5.77% | -5.35% | -9.73% | -544 bps | |
| Share Growth (YoY) | 4.08% | 8.62% | 9.78% | 2.42% | -2.43% | -651 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.18% | 1.27% | 1.32% | 1.40% | 1.89% | +71 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.21% | 2.75% | 2.74% | 2.86% | 3.47% | +127 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.82% | 7.78% | 7.53% | 7.66% | 7.13% | -69 bps | |
| Net Worth / Assets | 7.82% | 7.78% | 7.53% | 7.66% | 7.13% | -69 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 90.01% | 89.17% | 85.87% | 84.81% | 83.28% | -673 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |