Essexville, MI · Charter 62132
Q4 2008
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 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.19% | 0.18% | 0.11% | 0.29% | 0.04% | -14 bps | |
| Return on Equity | 0.66% | 0.64% | 0.39% | 1.05% | 0.16% | -50 bps | |
| Net Interest Margin | 5.36% | 6.08% | 5.55% | 5.39% | 5.50% | +15 bps | |
| Efficiency Ratio | 96.52% | 97.00% | 98.07% | 94.58% | 99.22% | +269 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -24.49% | -16.42% | -3.78% | -2.16% | 0.99% | +2,548 bps | |
| Loan Growth (YoY) | -10.80% | -13.91% | -4.78% | -17.16% | -17.93% | -714 bps | |
| Share Growth (YoY) | -32.05% | -21.80% | -5.36% | -2.83% | 4.26% | +3,632 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 1.95% | 11.44% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.99% | 2.20% | 2.16% | 2.28% | 2.42% | +43 bps | |
| Capital | |||||||
| Risk-Based Capital | 28.44% | 28.33% | 27.45% | 27.75% | 27.30% | -114 bps | |
| Net Worth / Assets | 28.44% | 28.33% | 27.45% | 27.75% | 27.30% | -114 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 96.63% | 85.32% | 83.64% | 79.93% | 76.06% | -2,057 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |