Romeo, MI · Charter 62029
Q2 2014
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 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.25% | 0.36% | 0.57% | 0.16% | -0.82% | -107 bps | |
| Return on Equity | 1.94% | 2.62% | 4.05% | 1.20% | -6.42% | -836 bps | |
| Net Interest Margin | 2.49% | 2.70% | 2.72% | 2.39% | 2.50% | +2 bps | |
| Efficiency Ratio | 88.66% | 86.98% | 86.69% | 96.40% | 116.91% | +2,825 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.81% | -0.22% | 0.69% | 1.30% | -1.02% | -21 bps | |
| Loan Growth (YoY) | -1.86% | 2.91% | 2.10% | 3.04% | 8.34% | +1,020 bps | |
| Share Growth (YoY) | -1.85% | -0.46% | 0.24% | 1.26% | -0.31% | +154 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.17% | 0.17% | 0.37% | 0.22% | 0.55% | +38 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.05% | 1.11% | 0.83% | 0.77% | 0.78% | -27 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.70% | 13.65% | 14.13% | 13.09% | 12.84% | +13 bps | |
| Net Worth / Assets | 12.70% | 13.65% | 14.13% | 13.09% | 12.84% | +13 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 46.98% | 51.11% | 51.75% | 47.78% | 51.05% | +407 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |