Oscoda, MI · Charter 61295
Q1 2008
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 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.24% | -0.10% | -0.01% | 0.03% | -0.13% | +12 bps | |
| Return on Equity | -2.28% | -0.95% | -0.07% | 0.30% | -1.13% | +116 bps | |
| Net Interest Margin | 2.89% | 2.93% | 3.01% | 3.05% | 2.97% | +8 bps | |
| Efficiency Ratio | 107.30% | 102.75% | 100.00% | 98.85% | 103.04% | -426 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.98% | -0.40% | -0.49% | -2.34% | -3.49% | -251 bps | |
| Loan Growth (YoY) | -3.34% | -3.26% | -2.93% | -6.77% | -7.81% | -447 bps | |
| Share Growth (YoY) | -1.05% | -0.69% | -0.21% | -2.54% | -3.82% | -277 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.26% | 0.69% | 0.83% | 0.85% | 0.88% | +62 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.27% | 0.28% | 0.28% | 0.27% | 0.30% | +3 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.69% | 10.71% | 10.88% | 11.11% | 11.14% | +45 bps | |
| Net Worth / Assets | 10.69% | 10.71% | 10.88% | 11.11% | 11.14% | +45 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 51.44% | 51.81% | 51.44% | 51.67% | 49.30% | -214 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |