Mt. Clemens, MI · Charter 62069
Q4 2004
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 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.02% | 0.24% | -0.47% | -0.32% | -0.92% | -94 bps | |
| Return on Equity | 0.21% | 2.98% | -6.07% | -3.94% | -12.24% | -1,245 bps | |
| Net Interest Margin | 4.56% | 4.48% | 4.33% | 4.59% | 4.42% | -14 bps | |
| Efficiency Ratio | 89.15% | 83.62% | 90.97% | 93.28% | 100.03% | +1,088 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.96% | 6.51% | 2.43% | -3.44% | -2.81% | -877 bps | |
| Loan Growth (YoY) | 12.02% | 10.08% | -1.19% | -0.08% | -8.50% | -2,052 bps | |
| Share Growth (YoY) | 4.95% | 7.45% | 4.09% | -1.83% | 1.50% | -346 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.80% | 2.53% | 1.08% | 0.58% | 1.38% | +58 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.17% | 1.36% | 1.47% | 1.44% | 1.36% | +19 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.24% | 8.12% | 7.81% | 8.17% | 7.55% | -69 bps | |
| Net Worth / Assets | 8.24% | 8.12% | 7.81% | 8.17% | 7.55% | -69 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.42% | 76.39% | 72.18% | 77.08% | 74.30% | -812 bps | |
| Liquid Assets / Assets | 24.08% | 26.03% | 30.27% | 24.61% | 27.59% | +351 bps | |