Bruce Crossing, MI · Charter 62077
Q3 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2007, the quarter ended September 30, 2007, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Bruce Crossing, MI · Charter 62077
Q3 2007
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 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.08% | 2.44% | 3.25% | 3.34% | 2.72% | -36 bps | |
| Return on Equity | 23.83% | 19.17% | 24.72% | 24.03% | 19.70% | -412 bps | |
| Net Interest Margin | 6.34% | 6.11% | 6.00% | 5.99% | 5.79% | -56 bps | |
| Efficiency Ratio | 61.39% | 62.16% | 58.02% | 55.30% | 58.19% | -320 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.56% | 1.05% | 6.67% | 7.36% | 11.65% | +610 bps | |
| Loan Growth (YoY) | 9.36% | 6.57% | 6.27% | 3.98% | 5.38% | -398 bps | |
| Share Growth (YoY) | 2.97% | -1.83% | 3.77% | 12.86% | 10.36% | +738 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.54% | 2.81% | 1.21% | 1.81% | 1.68% | +14 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.41% | 1.56% | 1.33% | 1.19% | 1.35% | -5 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.93% | 12.72% | 13.14% | 13.88% | 13.81% | +88 bps | |
| Net Worth / Assets | 12.93% | 12.72% | 13.14% | 13.88% | 13.81% | +88 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 90.97% | 88.65% | 86.37% | 88.73% | 86.87% | -410 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |