Farmington, MI · Charter 62220
Q1 2005
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.10% | -0.38% | -0.52% | -0.65% | -1.08% | -98 bps | |
| Return on Equity | -0.74% | -2.96% | -4.06% | -5.14% | -8.87% | -813 bps | |
| Net Interest Margin | 4.01% | 3.80% | 3.87% | 3.84% | 3.63% | -38 bps | |
| Efficiency Ratio | 101.37% | 105.74% | 106.58% | 105.87% | 121.41% | +2,004 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.72% | -2.80% | -4.27% | 1.18% | 3.62% | +1,334 bps | |
| Loan Growth (YoY) | 1.38% | -2.81% | -4.64% | -8.42% | -10.73% | -1,211 bps | |
| Share Growth (YoY) | -10.44% | -2.40% | -4.04% | 2.55% | 5.56% | +1,601 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.28% | 1.31% | 0.62% | 0.37% | 0.23% | -105 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.08% | 0.04% | 0.21% | 0.39% | 0.30% | +21 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.54% | 12.75% | 12.89% | 12.56% | 12.19% | -136 bps | |
| Net Worth / Assets | 13.54% | 12.75% | 12.89% | 12.56% | 12.19% | -136 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 72.87% | 64.82% | 65.62% | 62.24% | 61.63% | -1,125 bps | |
| Liquid Assets / Assets | 16.38% | 24.07% | 23.08% | 32.85% | 33.37% | +1,699 bps | |