Detroit, MI · Charter 61511
Q2 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2013, the quarter ended June 30, 2013, 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.
Detroit, MI · Charter 61511
Q2 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 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -5.27% | -3.54% | -2.97% | -3.12% | -17.43% | -1,216 bps | |
| Return on Equity | -59.49% | -37.97% | -31.77% | -37.01% | -1187% | -112,703 bps | |
| Net Interest Margin | 3.25% | 3.29% | 3.30% | 2.79% | 2.96% | -29 bps | |
| Efficiency Ratio | 127.04% | 114.14% | 115.07% | 196.04% | 201% | +7,436 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -13.26% | -11.36% | -10.16% | -8.54% | -14.37% | -112 bps | |
| Loan Growth (YoY) | -16.51% | -16.76% | -19.11% | -15.97% | -19.13% | -262 bps | |
| Share Growth (YoY) | -6.95% | -7.55% | -8.80% | -8.86% | -7.90% | -94 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 10.68% | 4.02% | 5.48% | 3.88% | 6.54% | -413 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 19.65% | 19.42% | 18.03% | 19.47% | 34.64% | +1,499 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.85% | 9.32% | 9.34% | 8.44% | 1.47% | -738 bps | |
| Net Worth / Assets | 8.85% | 9.32% | 9.34% | 8.44% | 1.47% | -738 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 41.89% | 41.75% | 40.92% | 38.01% | 36.78% | -511 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |