Royal Oak, MI · Charter 60897
Q3 2013
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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.21% | -0.16% | -0.29% | -0.23% | -0.38% | -17 bps | |
| Return on Equity | -3.68% | -2.87% | -5.27% | -4.05% | -6.58% | -289 bps | |
| Net Interest Margin | 2.38% | 2.35% | 2.34% | 2.41% | 2.42% | +4 bps | |
| Efficiency Ratio | 106.77% | 104.64% | 109.78% | 107.51% | 111.95% | +519 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.91% | 1.93% | -0.91% | -9.21% | -7.10% | -801 bps | |
| Loan Growth (YoY) | 12.08% | 12.51% | 9.69% | 10.69% | 0.57% | -1,152 bps | |
| Share Growth (YoY) | 0.97% | 1.38% | -1.92% | -8.25% | -7.33% | -830 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.30% | 1.61% | 1.31% | 0.83% | 0.78% | -52 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.42% | 0.45% | 0.46% | 0.37% | 0.32% | -11 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.60% | 5.48% | 5.54% | 5.74% | 5.74% | +14 bps | |
| Net Worth / Assets | 5.60% | 5.48% | 5.54% | 5.74% | 5.74% | +14 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 27.78% | 26.99% | 27.89% | 30.11% | 30.15% | +237 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |