Charlotte, MI · Charter 61954
Q1 2013
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 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.87% | -0.84% | -0.84% | -1.01% | -1.94% | -107 bps | |
| Return on Equity | -8.83% | -8.76% | -8.90% | -11.06% | -23.69% | -1,486 bps | |
| Net Interest Margin | 2.41% | 2.36% | 2.30% | 2.27% | 1.91% | -50 bps | |
| Efficiency Ratio | 114.46% | 119.42% | 123.19% | 129.70% | 178.35% | +6,390 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.38% | 2.26% | 3.88% | 2.23% | 4.13% | +275 bps | |
| Loan Growth (YoY) | -5.62% | -8.42% | -10.04% | -10.94% | -17.03% | -1,141 bps | |
| Share Growth (YoY) | 2.28% | 3.50% | 5.14% | 3.63% | 6.03% | +375 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.19% | 0.23% | 0.26% | 0.16% | 0.31% | -88 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.87% | 0.34% | 0.32% | 0.32% | 0.30% | -57 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.82% | 9.63% | 9.42% | 9.10% | 8.20% | -163 bps | |
| Net Worth / Assets | 9.82% | 9.63% | 9.42% | 9.10% | 8.20% | -163 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 38.16% | 36.62% | 35.44% | 34.52% | 29.86% | -830 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |