Taylor, MI · Charter 61053
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 2014, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Taylor, MI · Charter 61053
Q3 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 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.10% | -0.09% | -0.11% | 0.03% | -1.46% | -157 bps | |
| Return on Equity | 0.67% | -0.61% | -0.74% | 0.20% | -10.08% | -1,075 bps | |
| Net Interest Margin | 2.34% | 2.44% | 2.37% | 2.29% | 2.26% | -7 bps | |
| Efficiency Ratio | 92.31% | 96.78% | 96.66% | 95.04% | 152.74% | +6,043 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.87% | 0.58% | 0.85% | 1.51% | -4.56% | -743 bps | |
| Loan Growth (YoY) | -1.88% | -4.23% | -5.00% | -5.91% | -6.82% | -495 bps | |
| Share Growth (YoY) | 4.18% | 1.18% | 2.15% | 1.77% | -2.10% | -628 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.41% | 1.01% | 1.03% | 0.22% | 0.43% | -598 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.46% | 0.59% | 0.77% | 0.73% | 0.79% | +34 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.07% | 15.36% | 15.09% | 15.13% | 14.52% | -55 bps | |
| Net Worth / Assets | 15.07% | 15.36% | 15.09% | 15.13% | 14.52% | -55 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 30.18% | 29.96% | 28.95% | 28.58% | 28.72% | -146 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |