Roseville, MI · Charter 61195
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 | -0.67% | -0.75% | -0.93% | -0.93% | -1.11% | -44 bps | |
| Return on Equity | -8.69% | -9.95% | -13.82% | -13.62% | -16.68% | -799 bps | |
| Net Interest Margin | 2.57% | 2.60% | 2.20% | 2.35% | 2.34% | -24 bps | |
| Efficiency Ratio | 118.44% | 117.47% | 129.90% | 128.09% | 133.34% | +1,490 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.79% | 4.59% | 4.93% | 0.84% | -0.77% | -756 bps | |
| Loan Growth (YoY) | -9.73% | -6.88% | -3.80% | -1.43% | -13.47% | -373 bps | |
| Share Growth (YoY) | 8.52% | 6.17% | 6.42% | 1.90% | 0.64% | -787 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.52% | 0.32% | 0.43% | 0.30% | 0.04% | -48 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.30% | 1.34% | 1.35% | 1.35% | 1.44% | +15 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.66% | 7.53% | 6.70% | 6.82% | 6.65% | -101 bps | |
| Net Worth / Assets | 7.66% | 7.53% | 6.70% | 6.82% | 6.65% | -101 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 26.63% | 27.15% | 23.97% | 24.94% | 22.90% | -373 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |