Saginaw, MI · Charter 62078
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 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.
Saginaw, MI · Charter 62078
Q1 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 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.04% | 0.33% | 0.32% | 0.50% | 0.16% | +11 bps | |
| Return on Equity | 0.38% | 2.85% | 3.03% | 4.84% | 1.54% | +117 bps | |
| Net Interest Margin | 5.10% | 5.12% | 4.64% | 4.47% | 4.50% | -60 bps | |
| Efficiency Ratio | 93.68% | 91.41% | 91.80% | 87.87% | 93.88% | +20 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.84% | -4.15% | 9.93% | 14.28% | 19.49% | +2,633 bps | |
| Loan Growth (YoY) | -1.96% | -1.19% | 5.04% | 8.77% | 4.37% | +633 bps | |
| Share Growth (YoY) | -7.99% | -5.31% | 9.31% | 15.54% | 20.84% | +2,884 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.51% | 0.57% | 0.60% | 0.99% | 0.95% | +44 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.83% | 0.84% | 0.85% | 0.64% | 0.60% | -23 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.49% | 11.53% | 10.57% | 10.42% | 10.14% | -135 bps | |
| Net Worth / Assets | 11.49% | 11.53% | 10.57% | 10.42% | 10.14% | -135 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 90.65% | 91.95% | 85.99% | 83.79% | 78.29% | -1,236 bps | |
| Liquid Assets / Assets | 16.75% | 0.00% | 0.00% | 0.00% | 0.00% | -1,675 bps | |