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Eastern Michigan University

Ypsilanti, MI · Charter 62184

Q4 2013

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2013, the quarter ended December 31, 2013, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Eastern Michigan University

Ypsilanti, MI · Charter 62184

Q4 2013

$20.4MAssets
$7.1MLoans
$17.6MShares
$2.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.31%, down 89 bps year over year; NIM at 2.46%.
  • Asset quality: problem loans at 0.37% of loans (-10 bps YoY).
  • Capital: net worth / assets of 14.05%, up 57 bps from a year ago.
  • Funding: loans stand at 40.30% of shares as of Q4 2013.

Financial Results

Return on Assets (YTD, annualized)

-0.31%-89 bps YoY

Net Interest Margin (YTD, annualized)

2.46%-20 bps YoY

Efficiency Ratio (YTD, annualized)

109.50%+2,518 bps YoY

Net Worth / Assets

14.05%+57 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2012Q1 2013Q2 2013Q3 2013Q4 2013YoY ΔTrend
Earnings
Return on Assets0.58%0.10%0.19%0.16%-0.31%-89 bps
Return on Equity4.30%0.77%1.49%1.15%-2.21%-651 bps
Net Interest Margin2.66%2.33%2.38%2.53%2.46%-20 bps
Efficiency Ratio84.31%92.95%89.17%90.62%109.50%+2,518 bps
Growth
Asset Growth (YoY)3.95%2.76%2.12%-0.99%-6.14%-1,009 bps
Loan Growth (YoY)-10.33%-11.54%5.71%20.33%29.38%+3,972 bps
Share Growth (YoY)3.99%3.13%3.59%0.22%-4.61%-860 bps
Asset Quality
Delinquent Loans / Loans0.47%0.38%0.67%0.50%0.37%-10 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.67%0.77%0.69%0.69%0.66%-1 bps
Capital
Risk-Based Capital13.48%13.13%12.98%13.82%14.05%+57 bps
Net Worth / Assets13.48%13.13%12.98%13.82%14.05%+57 bps
Liquidity & Funding
Loans / Shares29.71%27.92%31.49%39.02%40.30%+1,059 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps