Center Line, MI · Charter 6097
Q1 2010
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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.37% | -0.93% | -4.52% | -5.70% | -9.33% | -795 bps | |
| Return on Equity | -14.01% | -9.78% | -63.44% | -86.83% | -229% | -21,482 bps | |
| Net Interest Margin | 4.64% | 4.54% | 4.72% | 5.61% | 5.84% | +119 bps | |
| Efficiency Ratio | 139.77% | 114.10% | 116.05% | 121.23% | 117.45% | -2,232 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.91% | 3.98% | -1.26% | -10.33% | -15.22% | -1,913 bps | |
| Loan Growth (YoY) | 3.89% | 11.59% | 12.53% | 6.31% | -3.94% | -783 bps | |
| Share Growth (YoY) | 13.61% | 9.42% | 1.84% | -7.55% | -9.45% | -2,306 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.50% | 7.74% | 9.61% | 7.95% | 2.89% | -361 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.26% | 3.08% | 3.41% | 3.60% | 3.23% | -3 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.80% | 9.51% | 7.12% | 6.57% | 4.08% | -573 bps | |
| Net Worth / Assets | 9.80% | 9.51% | 7.12% | 6.57% | 4.08% | -573 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.22% | 72.54% | 82.74% | 87.54% | 72.38% | +416 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |