Muskegon, MI · Charter 61678
Q2 2014
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 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.05% | -2.45% | -2.37% | -1.80% | -2.58% | +47 bps | |
| Return on Equity | -28.83% | -21.95% | -20.69% | -16.25% | -22.92% | +591 bps | |
| Net Interest Margin | 2.46% | 2.65% | 2.80% | 2.67% | 2.74% | +28 bps | |
| Efficiency Ratio | 131.54% | 129.85% | 126.28% | 137.27% | 135.13% | +359 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.73% | 4.79% | 1.65% | -9.10% | -20.02% | -2,875 bps | |
| Loan Growth (YoY) | -26.35% | -24.15% | -29.21% | -26.88% | -25.30% | +106 bps | |
| Share Growth (YoY) | 14.40% | 8.74% | 4.36% | -10.05% | -21.47% | -3,586 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.50% | 3.99% | 3.57% | 2.04% | 1.56% | -193 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.13% | 4.53% | 5.22% | 5.07% | 7.59% | +246 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.59% | 11.17% | 11.46% | 11.09% | 11.26% | +67 bps | |
| Net Worth / Assets | 10.59% | 11.17% | 11.46% | 11.09% | 11.26% | +67 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 36.69% | 37.13% | 35.34% | 33.18% | 34.90% | -179 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |