Detroit, MI · Charter 61905
Q2 2000
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.72% | 2.28% | 2.03% | 0.30% | 0.60% | -212 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 5.13% | 5.29% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 88.89% | 84.67% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 8.70% | 16.07% | 10.82% | 8.74% | 15.58% | +688 bps | |
| Loan Growth (YoY) | -0.50% | -8.39% | -11.52% | -8.89% | -2.31% | -181 bps | |
| Share Growth (YoY) | 7.77% | 17.30% | 11.08% | 9.03% | 16.81% | +904 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.04% | 1.27% | 0.92% | 0.88% | 0.26% | -78 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.05% | 1.05% | 0.96% | 0.89% | 0.82% | -23 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.44% | 57.77% | 52.88% | 54.98% | 51.39% | -1,006 bps | |
| Liquid Assets / Assets | 6.36% | 9.24% | 30.67% | 8.42% | 28.37% | +2,202 bps | |