Cadillac, MI · Charter 61993
Q1 2005
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.11% | 0.38% | 0.41% | 0.41% | 0.37% | +26 bps | |
| Return on Equity | 1.14% | 4.11% | 4.33% | 4.26% | 3.82% | +267 bps | |
| Net Interest Margin | 3.65% | 3.63% | 3.70% | 3.74% | 3.53% | -12 bps | |
| Efficiency Ratio | 94.74% | 89.32% | 88.86% | 88.36% | 91.89% | -285 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.40% | -0.97% | 0.95% | 2.40% | 1.65% | +205 bps | |
| Loan Growth (YoY) | -9.30% | -9.59% | -5.19% | -8.23% | -7.29% | +201 bps | |
| Share Growth (YoY) | -0.72% | -1.50% | 0.46% | 2.14% | 1.34% | +206 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.25% | 0.27% | 0.33% | 0.27% | 0.29% | +4 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.47% | 0.52% | 0.49% | 0.57% | 0.53% | +6 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.26% | 9.34% | 9.49% | 9.59% | 9.58% | +32 bps | |
| Net Worth / Assets | 9.26% | 9.34% | 9.49% | 9.59% | 9.58% | +32 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 52.29% | 51.47% | 52.83% | 50.83% | 47.84% | -445 bps | |
| Liquid Assets / Assets | 21.00% | 20.04% | 17.16% | 17.88% | 23.94% | +294 bps | |