Warren, MI · Charter 62259
Q2 2005
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 2004 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.12% | -0.31% | -0.37% | -1.16% | -1.23% | -111 bps | |
| Return on Equity | -0.91% | -2.43% | -2.84% | -9.12% | -8.95% | -804 bps | |
| Net Interest Margin | 5.93% | 5.65% | 5.94% | 5.50% | 6.04% | +11 bps | |
| Efficiency Ratio | 101.92% | 105.38% | 106.18% | 120.95% | 120.06% | +1,814 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.03% | 2.66% | 0.94% | -2.18% | -13.20% | -1,218 bps | |
| Loan Growth (YoY) | -9.28% | 4.58% | 10.96% | 19.42% | 27.27% | +3,654 bps | |
| Share Growth (YoY) | -0.92% | 3.57% | 1.72% | -2.02% | -14.48% | -1,356 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.07% | 0.07% | 0.54% | 2.61% | +261 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.50% | 0.46% | 0.44% | 0.41% | 0.39% | -11 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.76% | 12.74% | 13.15% | 12.76% | 13.74% | +99 bps | |
| Net Worth / Assets | 12.76% | 12.74% | 13.15% | 12.76% | 13.74% | +99 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.11% | 74.27% | 81.46% | 84.91% | 99.88% | +3,277 bps | |
| Liquid Assets / Assets | 40.20% | 34.07% | 28.35% | 24.66% | 12.87% | -2,733 bps | |