Croswell, MI · Charter 62239
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 30, 2015, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Croswell, MI · Charter 62239
Q2 2015
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 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.72% | -1.23% | -1.35% | -0.06% | 0.38% | +210 bps | |
| Return on Equity | -6.84% | -4.84% | -5.28% | -0.22% | 1.45% | +830 bps | |
| Net Interest Margin | 2.99% | 2.94% | 3.04% | 3.03% | 2.85% | -14 bps | |
| Efficiency Ratio | 152.51% | 130.64% | 134.91% | 101.85% | 90.18% | -6,233 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -17.84% | -15.72% | -8.73% | -3.83% | -5.06% | +1,279 bps | |
| Loan Growth (YoY) | -34.02% | -28.89% | 1.44% | -6.82% | -12.51% | +2,151 bps | |
| Share Growth (YoY) | -11.13% | -7.62% | -9.84% | -5.92% | -5.90% | +523 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.50% | 0.93% | 1.43% | 0.80% | 0.00% | -250 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 27.70% | 23.21% | 24.38% | 27.61% | 29.90% | +221 bps | |
| Capital | |||||||
| Risk-Based Capital | 25.17% | 25.29% | 25.57% | 25.81% | 26.29% | +112 bps | |
| Net Worth / Assets | 25.17% | 25.29% | 25.57% | 25.81% | 26.29% | +112 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 28.14% | 31.44% | 31.28% | 28.68% | 26.16% | -198 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |