Grand Rapids, MI · Charter 61979
Q2 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 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.01% | -3.06% | -3.06% | -2.68% | -2.69% | +32 bps | |
| Return on Equity | -11.41% | -10.83% | -10.96% | -9.94% | -9.86% | +154 bps | |
| Net Interest Margin | 2.37% | 2.61% | 2.58% | 2.66% | 2.39% | +2 bps | |
| Efficiency Ratio | 220% | 212% | 215% | 192.38% | 206% | -1,341 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.06% | -15.62% | -16.47% | -17.12% | -12.30% | -224 bps | |
| Loan Growth (YoY) | -10.14% | -7.05% | -1.23% | -6.64% | -5.29% | +485 bps | |
| Share Growth (YoY) | -10.57% | -18.02% | -18.71% | -19.35% | -13.36% | -278 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.15% | 0.00% | 3.34% | +334 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.88% | 2.82% | 2.82% | 3.15% | 3.04% | +16 bps | |
| Capital | |||||||
| Risk-Based Capital | 26.36% | 28.28% | 27.91% | 26.97% | 27.28% | +93 bps | |
| Net Worth / Assets | 26.36% | 28.28% | 27.91% | 26.97% | 27.28% | +93 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 40.89% | 46.99% | 47.30% | 41.46% | 44.70% | +381 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |