Riverview, MI · Charter 62241
Q1 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2009, the quarter ended March 31, 2009, 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.
Riverview, MI · Charter 62241
Q1 2009
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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.63% | -0.24% | -0.04% | -0.07% | -4.67% | -405 bps | |
| Return on Equity | -4.06% | -1.67% | -0.26% | -0.47% | -29.18% | -2,512 bps | |
| Net Interest Margin | 4.17% | 3.73% | 3.95% | 3.94% | 3.52% | -65 bps | |
| Efficiency Ratio | 114.06% | 106.04% | 100.97% | 100.54% | 128.33% | +1,427 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -13.86% | -2.00% | -8.25% | -3.74% | -9.83% | +403 bps | |
| Loan Growth (YoY) | -17.66% | -16.72% | -7.60% | 1.79% | -10.17% | +749 bps | |
| Share Growth (YoY) | -15.57% | -0.96% | -8.41% | -3.37% | -10.23% | +534 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.89% | 5.79% | 6.47% | 1.96% | 4.00% | -188 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.22% | 1.34% | 1.39% | 1.48% | 0.81% | -41 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.40% | 14.41% | 15.60% | 15.83% | 16.01% | +60 bps | |
| Net Worth / Assets | 15.40% | 14.41% | 15.60% | 15.83% | 16.01% | +60 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.12% | 63.63% | 69.73% | 72.33% | 69.16% | +5 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |