Saginaw, MI · Charter 62087
Q4 2013
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 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.93% | -1.21% | -0.68% | -0.98% | -0.94% | +199 bps | |
| Return on Equity | -27.24% | -11.80% | -6.69% | -9.60% | -9.28% | +1,796 bps | |
| Net Interest Margin | 2.96% | 2.63% | 2.61% | 2.67% | 2.67% | -30 bps | |
| Efficiency Ratio | 141.00% | 116.63% | 110.18% | 110.81% | 109.58% | -3,142 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.31% | -5.28% | -5.59% | -6.21% | -3.83% | +249 bps | |
| Loan Growth (YoY) | -16.74% | -16.43% | -15.71% | -14.36% | -10.90% | +584 bps | |
| Share Growth (YoY) | -3.02% | -3.68% | -4.49% | -5.18% | -3.42% | -40 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.43% | 0.76% | 1.69% | 2.27% | 2.22% | +79 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.05% | 2.94% | 3.08% | 3.26% | 3.38% | +33 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.76% | 10.27% | 10.22% | 10.22% | 10.13% | -63 bps | |
| Net Worth / Assets | 10.76% | 10.27% | 10.22% | 10.22% | 10.13% | -63 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 45.31% | 42.40% | 41.31% | 42.38% | 41.80% | -351 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |