Monroe, MI · Charter 62192
Q3 2005
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.03% | -0.04% | -0.39% | -0.37% | -5.56% | -553 bps | |
| Return on Equity | -0.15% | -0.18% | -1.77% | -1.61% | -23.25% | -2,309 bps | |
| Net Interest Margin | 4.00% | 4.43% | 4.34% | 4.55% | 5.32% | +132 bps | |
| Efficiency Ratio | 100.70% | 100.81% | 108.64% | 107.84% | 199.56% | +9,886 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 15.10% | -1.05% | -11.02% | -15.18% | -31.67% | -4,677 bps | |
| Loan Growth (YoY) | 9.90% | 19.52% | 6.53% | -0.22% | 4.02% | -588 bps | |
| Share Growth (YoY) | 19.46% | -1.15% | -13.61% | -18.82% | -35.84% | -5,531 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.42% | 0.41% | 0.42% | 0.42% | 0.40% | -2 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.21% | 21.49% | 22.31% | 23.18% | 23.92% | +471 bps | |
| Net Worth / Assets | 19.21% | 21.49% | 22.31% | 23.18% | 23.92% | +471 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.09% | 80.92% | 83.10% | 88.33% | 112.01% | +4,293 bps | |
| Liquid Assets / Assets | 32.75% | 19.97% | 25.98% | 22.45% | 3.31% | -2,943 bps | |