Plymouth, MI · Charter 61980
Q2 1999
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.09% | 3.18% | 2.39% | 2.27% | 0.44% | -265 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 | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -6.11% | -10.20% | 4.62% | -6.44% | -10.78% | -467 bps | |
| Loan Growth (YoY) | -12.69% | -26.53% | -17.14% | -28.52% | -36.05% | -2,336 bps | |
| Share Growth (YoY) | -9.21% | -13.40% | 3.95% | -7.02% | -9.96% | -75 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.44% | 9.42% | 2.75% | 6.25% | 4.73% | +329 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.87% | 1.01% | 1.07% | 1.28% | 1.44% | +57 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 | 60.39% | 52.61% | 50.30% | 48.21% | 42.89% | -1,750 bps | |
| Liquid Assets / Assets | 44.17% | 52.04% | 55.18% | 56.42% | 61.82% | +1,764 bps | |