Grand Rapids, MI · Charter 62207
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% | -0.44% | -0.83% | -1.24% | -6.84% | -592 bps | |
| Return on Equity | -8.21% | -4.18% | -8.04% | -12.34% | -144.50% | -13,629 bps | |
| Net Interest Margin | 3.57% | 3.20% | 3.13% | 3.09% | 3.22% | -35 bps | |
| Efficiency Ratio | 92.07% | 95.46% | 93.00% | 102.31% | 302% | +21,010 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.46% | 4.02% | 7.32% | 3.42% | -3.15% | -269 bps | |
| Loan Growth (YoY) | -6.46% | -8.37% | -11.19% | -16.20% | -19.56% | -1,311 bps | |
| Share Growth (YoY) | 0.40% | 4.29% | 8.72% | 4.89% | 1.03% | +63 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.87% | 3.31% | 4.93% | 3.70% | 3.67% | -20 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.91% | 1.98% | 2.47% | 2.28% | 1.93% | +3 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.27% | 10.58% | 10.33% | 10.08% | 4.74% | -654 bps | |
| Net Worth / Assets | 11.27% | 10.58% | 10.33% | 10.08% | 4.74% | -654 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.58% | 62.97% | 59.53% | 57.50% | 55.40% | -1,418 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |