Blissfield, MI · Charter 62195
Q3 2004
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 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.13% | 1.41% | 1.38% | 0.15% | -0.69% | -181 bps | |
| Return on Equity | 4.54% | 5.26% | 5.15% | 0.44% | -2.92% | -746 bps | |
| Net Interest Margin | 4.49% | 4.81% | 5.00% | 4.39% | 3.64% | -85 bps | |
| Efficiency Ratio | 74.87% | 70.65% | 72.49% | 96.63% | 116.10% | +4,123 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.73% | 3.63% | -19.56% | -30.28% | -30.05% | -4,078 bps | |
| Loan Growth (YoY) | 52.19% | 30.90% | 0.44% | -18.32% | -34.41% | -8,661 bps | |
| Share Growth (YoY) | 14.72% | 1.54% | -27.91% | -40.62% | -28.23% | -4,295 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.39% | 6.43% | 4.63% | 0.41% | 8.27% | +588 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.56% | 1.65% | 0.00% | 4.39% | 2.39% | +83 bps | |
| Capital | |||||||
| Risk-Based Capital | 24.84% | 26.83% | 26.72% | 33.92% | 23.49% | -135 bps | |
| Net Worth / Assets | 24.84% | 26.83% | 26.72% | 33.92% | 23.49% | -135 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 110.69% | 114.72% | 105.89% | 119.69% | 101.15% | -954 bps | |
| Liquid Assets / Assets | 17.48% | 17.17% | 24.11% | 23.41% | 22.69% | +521 bps | |