Detroit, MI · Charter 61860
Q2 2011
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 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.51% | -3.70% | -3.21% | 0.15% | -0.78% | +173 bps | |
| Return on Equity | -44.89% | -73.09% | -77.05% | 3.81% | -20.93% | +2,396 bps | |
| Net Interest Margin | 3.82% | 4.50% | 4.81% | 4.62% | 4.81% | +99 bps | |
| Efficiency Ratio | 71.97% | 87.04% | 74.76% | 59.76% | 61.99% | -998 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.08% | -16.71% | -24.46% | -26.13% | -24.53% | -1,445 bps | |
| Loan Growth (YoY) | -2.62% | -8.58% | -16.06% | -22.73% | -23.81% | -2,120 bps | |
| Share Growth (YoY) | -7.30% | -15.00% | -22.08% | -23.94% | -23.48% | -1,618 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.69% | 3.05% | 3.30% | 3.63% | 3.33% | -36 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.95% | 1.51% | 2.78% | 2.62% | 2.63% | +68 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.59% | 5.06% | 4.17% | 4.00% | 3.73% | -186 bps | |
| Net Worth / Assets | 5.59% | 5.06% | 4.17% | 4.00% | 3.73% | -186 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 93.81% | 93.96% | 96.26% | 95.55% | 93.40% | -41 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |