Grand Blanc, MI · Charter 61813
Q1 2015
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 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.33% | 0.39% | 0.50% | 0.36% | -4.58% | -490 bps | |
| Return on Equity | 2.34% | 2.74% | 3.46% | 2.52% | -35.33% | -3,767 bps | |
| Net Interest Margin | 1.67% | 1.67% | 1.70% | 1.68% | 1.53% | -13 bps | |
| Efficiency Ratio | 88.58% | 86.99% | 83.73% | 88.13% | 267% | +17,892 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.49% | 2.31% | 2.24% | 3.05% | 0.53% | -296 bps | |
| Loan Growth (YoY) | -2.87% | -6.08% | -5.65% | -4.11% | -1.78% | +109 bps | |
| Share Growth (YoY) | 3.91% | 2.30% | 2.26% | 3.16% | 0.98% | -293 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.38% | 0.47% | 0.41% | 0.32% | 0.10% | -28 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.06% | 1.00% | 0.85% | 0.75% | 0.53% | -53 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.89% | 14.10% | 14.59% | 14.46% | 12.95% | -94 bps | |
| Net Worth / Assets | 13.89% | 14.10% | 14.59% | 14.46% | 12.95% | -94 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 23.79% | 24.00% | 24.82% | 24.59% | 23.14% | -65 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |