Hart, MI · Charter 62039
Q3 2004
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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.46% | 0.45% | 0.72% | 0.67% | 0.74% | +28 bps | |
| Return on Equity | 4.81% | 4.75% | 7.21% | 6.51% | 7.49% | +268 bps | |
| Net Interest Margin | 3.36% | 3.32% | 3.57% | 3.60% | 3.47% | +11 bps | |
| Efficiency Ratio | 82.49% | 83.10% | 78.52% | 80.07% | 77.61% | -488 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 24.36% | 27.06% | 10.11% | -0.43% | 3.41% | -2,094 bps | |
| Loan Growth (YoY) | -0.53% | -0.38% | 5.40% | 2.23% | 12.30% | +1,282 bps | |
| Share Growth (YoY) | 26.45% | 29.83% | 10.39% | -0.86% | 3.41% | -2,304 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.69% | 2.27% | 6.23% | 5.35% | 1.42% | -426 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.88% | 0.94% | 0.98% | 1.04% | 1.10% | +22 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.48% | 9.37% | 9.97% | 10.28% | 9.83% | +35 bps | |
| Net Worth / Assets | 9.48% | 9.37% | 9.97% | 10.28% | 9.83% | +35 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 48.84% | 48.65% | 53.88% | 55.29% | 53.04% | +420 bps | |
| Liquid Assets / Assets | 54.07% | 54.33% | 49.62% | 48.29% | 50.16% | -391 bps | |