River Rouge, MI · Charter 62173
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 31, 2014, 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.
River Rouge, MI · Charter 62173
Q4 2014
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 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.92% | 0.14% | -0.53% | -0.76% | -0.58% | -149 bps | |
| Return on Equity | 4.29% | 0.67% | -2.49% | -3.63% | -2.74% | -703 bps | |
| Net Interest Margin | 2.91% | 2.53% | 2.18% | 2.37% | 2.48% | -44 bps | |
| Efficiency Ratio | 93.30% | 113.33% | 128.82% | 126.75% | 122.46% | +2,915 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.54% | -7.23% | -3.25% | -3.06% | -1.70% | +284 bps | |
| Loan Growth (YoY) | 0.33% | -3.04% | -7.85% | -10.84% | -6.38% | -671 bps | |
| Share Growth (YoY) | -5.72% | -8.52% | -3.83% | -2.41% | -0.55% | +517 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.46% | 1.11% | 0.97% | 1.27% | 0.38% | -308 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.48% | 1.16% | 1.34% | 1.38% | 1.34% | -114 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.33% | 21.35% | 21.11% | 20.82% | 21.12% | -21 bps | |
| Net Worth / Assets | 21.33% | 21.35% | 21.11% | 20.82% | 21.12% | -21 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 39.98% | 37.05% | 37.56% | 38.20% | 37.64% | -234 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |