Detroit, MI · Charter 61375
Q4 2015
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.17% | -0.76% | -0.12% | -5.11% | -7784% | -778,424 bps | |
| Return on Equity | 0.74% | -3.24% | -0.52% | -25.92% | -7784% | -778,481 bps | |
| Net Interest Margin | 1.38% | 1.36% | 1.06% | -4.07% | -7488% | -748,947 bps | |
| Efficiency Ratio | 89.22% | 154.70% | 158.92% | n/a | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 0.34% | -3.55% | -3.22% | -2.40% | -99.71% | -10,005 bps | |
| Loan Growth (YoY) | -99.18% | -100.00% | -100.00% | -100.00% | -100.00% | -82 bps | |
| Share Growth (YoY) | 0.06% | -4.33% | -3.81% | 2.44% | -100.00% | -10,006 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | n/a | n/a | n/a | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 808% | n/a | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Risk-Based Capital | 22.86% | 23.37% | 23.52% | 19.73% | 100.00% | +7,714 bps | |
| Net Worth / Assets | 22.86% | 23.37% | 23.52% | 19.73% | 100.00% | +7,714 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 0.04% | 0.00% | 0.00% | 0.00% | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |