Novi, MI · Charter 61809
Q4 2006
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 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.21% | -0.08% | -0.22% | -0.95% | -1.76% | -55 bps | |
| Return on Equity | -8.19% | -0.52% | -1.51% | -6.59% | -13.42% | -523 bps | |
| Net Interest Margin | 3.27% | 3.42% | 3.43% | 3.61% | 3.46% | +19 bps | |
| Efficiency Ratio | 106.55% | 103.44% | 98.98% | 112.87% | 115.72% | +917 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.75% | -5.77% | -3.10% | -6.36% | -0.67% | +708 bps | |
| Loan Growth (YoY) | -5.26% | -5.12% | -6.84% | -6.11% | -5.98% | -72 bps | |
| Share Growth (YoY) | -6.90% | -9.28% | -4.22% | -4.44% | 1.17% | +807 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.61% | 0.87% | 0.99% | 1.08% | 0.80% | +19 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.75% | 0.68% | 0.72% | 0.68% | 0.93% | +18 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.76% | 14.54% | 14.36% | 14.46% | 13.11% | -166 bps | |
| Net Worth / Assets | 14.76% | 14.54% | 14.36% | 14.46% | 13.11% | -166 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 94.15% | 91.81% | 89.64% | 94.23% | 87.50% | -665 bps | |
| Liquid Assets / Assets | 3.63% | 7.81% | 0.00% | 0.00% | 0.00% | -363 bps | |