Lapeer, MI · Charter 62163
Q4 2012
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.10% | 0.21% | 0.19% | 0.25% | -1.31% | -141 bps | |
| Return on Equity | 0.71% | 1.62% | 1.45% | 1.84% | -10.49% | -1,120 bps | |
| Net Interest Margin | 1.38% | 1.26% | 1.21% | 1.27% | 1.26% | -12 bps | |
| Efficiency Ratio | 93.06% | 83.13% | 84.40% | 80.80% | 204% | +11,060 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.36% | -0.93% | 2.37% | 2.71% | -2.11% | +125 bps | |
| Loan Growth (YoY) | -8.98% | -2.14% | -1.02% | 3.21% | 3.14% | +1,212 bps | |
| Share Growth (YoY) | -3.86% | -1.10% | 2.78% | 2.95% | -1.10% | +277 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.36% | 0.19% | 0.46% | 0.60% | 0.62% | +26 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.98% | 0.83% | 0.45% | 0.44% | 0.45% | -53 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.55% | 13.18% | 13.10% | 13.37% | 12.53% | -102 bps | |
| Net Worth / Assets | 13.55% | 13.18% | 13.10% | 13.37% | 12.53% | -102 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 22.92% | 21.76% | 22.09% | 23.32% | 23.90% | +98 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |