Sterling Hghts, MI · Charter 62030
Q1 2014
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 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.06% | -0.11% | -0.17% | -0.13% | -10.82% | -1,075 bps | |
| Return on Equity | -0.58% | -1.02% | -1.63% | -1.15% | -120.76% | -12,018 bps | |
| Net Interest Margin | 2.85% | 2.79% | 2.67% | 2.88% | 3.14% | +29 bps | |
| Efficiency Ratio | 101.91% | 103.48% | 105.64% | 104.02% | 401% | +29,892 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.14% | -2.37% | 1.43% | -5.41% | -7.15% | -829 bps | |
| Loan Growth (YoY) | -13.55% | -19.22% | -16.04% | -13.67% | -9.79% | +375 bps | |
| Share Growth (YoY) | 1.31% | -2.43% | 1.93% | -5.95% | -7.62% | -892 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.79% | 0.17% | 0.08% | 0.36% | 0.35% | -44 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.51% | 0.94% | 0.77% | 0.82% | 0.85% | -66 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.94% | 11.14% | 10.70% | 11.57% | 8.96% | -198 bps | |
| Net Worth / Assets | 10.94% | 11.14% | 10.70% | 11.57% | 8.96% | -198 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 40.17% | 37.97% | 37.86% | 39.72% | 39.22% | -95 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |