Warren, MI · Charter 62326
Q2 2008
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 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.20% | 0.35% | 0.19% | 0.47% | -2.53% | -273 bps | |
| Return on Equity | 1.64% | 2.73% | 1.52% | 3.79% | -22.31% | -2,396 bps | |
| Net Interest Margin | 3.58% | 3.79% | 3.71% | 2.81% | 2.79% | -79 bps | |
| Efficiency Ratio | 78.79% | 77.59% | 78.12% | 88.52% | 117.70% | +3,891 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.27% | -1.84% | -1.14% | -0.93% | -4.75% | -449 bps | |
| Loan Growth (YoY) | 3.69% | 1.37% | -1.99% | -5.18% | -8.40% | -1,208 bps | |
| Share Growth (YoY) | -0.96% | -2.48% | -1.37% | -1.31% | -4.29% | -333 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.31% | 3.11% | 2.72% | 2.52% | 6.06% | +275 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.19% | 1.24% | 1.33% | 1.08% | 2.13% | +93 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.93% | 12.75% | 12.53% | 12.47% | 11.35% | -58 bps | |
| Net Worth / Assets | 11.93% | 12.75% | 12.53% | 12.47% | 11.35% | -58 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.34% | 77.80% | 75.84% | 72.80% | 71.15% | -319 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |