Center Line, MI · Charter 61026
Q4 2011
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 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.32% | -1.20% | -1.25% | -1.82% | -2.00% | -68 bps | |
| Return on Equity | -7.23% | -7.22% | -8.01% | -11.80% | -13.18% | -595 bps | |
| Net Interest Margin | 3.40% | 2.94% | 2.80% | 2.92% | 2.89% | -52 bps | |
| Efficiency Ratio | 133.15% | 133.37% | 136.17% | 147.37% | 154.51% | +2,136 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.10% | 9.00% | 8.19% | 4.89% | 3.73% | +483 bps | |
| Loan Growth (YoY) | 1.38% | -6.98% | -8.33% | -7.71% | -14.63% | -1,601 bps | |
| Share Growth (YoY) | 0.79% | 14.44% | 12.77% | 8.71% | 7.79% | +700 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.16% | 1.97% | 3.30% | 3.89% | 0.64% | -152 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.14% | 0.61% | 0.77% | 0.96% | 0.62% | -52 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.21% | 16.60% | 15.55% | 15.42% | 15.14% | -308 bps | |
| Net Worth / Assets | 18.21% | 16.60% | 15.55% | 15.42% | 15.14% | -308 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.71% | 58.90% | 54.86% | 55.82% | 52.84% | -1,387 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |