Redford Twp, MI · Charter 62307
Q4 2007
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 2006 | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.01% | -0.12% | -0.02% | -0.13% | -1.01% | -102 bps | |
| Return on Equity | 0.04% | -0.79% | -0.13% | -0.77% | -5.78% | -583 bps | |
| Net Interest Margin | 3.06% | 3.03% | 3.37% | 3.55% | 3.66% | +60 bps | |
| Efficiency Ratio | 86.78% | 93.59% | 86.49% | 85.97% | 90.00% | +321 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -13.90% | -12.34% | -11.83% | -13.07% | -15.82% | -192 bps | |
| Loan Growth (YoY) | -7.03% | -10.15% | -14.82% | -18.47% | -23.47% | -1,644 bps | |
| Share Growth (YoY) | -16.12% | -14.40% | -14.12% | -12.39% | -17.78% | -166 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.27% | 2.83% | 3.24% | 4.63% | 8.19% | +592 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.26% | 3.30% | 3.71% | 4.08% | 6.62% | +336 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.64% | 15.52% | 16.17% | 17.19% | 17.54% | +189 bps | |
| Net Worth / Assets | 15.64% | 15.52% | 16.17% | 17.19% | 17.54% | +189 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 30.98% | 28.89% | 28.27% | 28.97% | 28.84% | -214 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |