Berkley, MI · Charter 62111
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 | 0.22% | 0.36% | -0.82% | -0.68% | -0.50% | -72 bps | |
| Return on Equity | 3.34% | 5.22% | -13.01% | -10.63% | -8.26% | -1,160 bps | |
| Net Interest Margin | 3.53% | 3.55% | 3.56% | 3.66% | 3.63% | +10 bps | |
| Efficiency Ratio | 97.81% | 96.21% | 97.02% | 97.54% | 100.48% | +267 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.13% | -1.46% | -3.16% | -4.25% | -3.38% | -325 bps | |
| Loan Growth (YoY) | 9.64% | 8.00% | 9.45% | 5.92% | -1.29% | -1,092 bps | |
| Share Growth (YoY) | -0.26% | -0.71% | -4.10% | -3.66% | -2.50% | -223 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.61% | 2.67% | 4.09% | 2.55% | 2.99% | +38 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.57% | 1.42% | 2.14% | 2.03% | 2.22% | +65 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.68% | 6.91% | 6.27% | 6.39% | 6.07% | -61 bps | |
| Net Worth / Assets | 6.68% | 6.91% | 6.27% | 6.39% | 6.07% | -61 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.85% | 69.72% | 75.11% | 74.52% | 68.69% | +84 bps | |
| Liquid Assets / Assets | 15.27% | 0.00% | 0.00% | 0.00% | 0.00% | -1,527 bps | |