Holland, MI · Charter 62412
Q4 2006
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 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.37% | -0.21% | 0.04% | 0.08% | -4.30% | -467 bps | |
| Return on Equity | 1.65% | -1.00% | 0.17% | 0.36% | -23.29% | -2,494 bps | |
| Net Interest Margin | 4.15% | 3.73% | 3.95% | 4.09% | 2.85% | -130 bps | |
| Efficiency Ratio | 90.55% | 94.33% | 92.90% | 93.06% | 197.56% | +10,701 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.11% | -0.99% | -5.52% | -3.07% | -2.77% | +234 bps | |
| Loan Growth (YoY) | 1.88% | 3.56% | 2.32% | 4.26% | 2.07% | +18 bps | |
| Share Growth (YoY) | -6.31% | -1.41% | -6.76% | -4.29% | -2.76% | +356 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.48% | 1.27% | 1.06% | 0.53% | 0.35% | -113 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.22% | 1.31% | 1.19% | 0.90% | 0.89% | -33 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.16% | 21.17% | 22.15% | 22.56% | 18.48% | -367 bps | |
| Net Worth / Assets | 22.16% | 21.17% | 22.15% | 22.56% | 18.48% | -367 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.73% | 46.91% | 49.28% | 52.32% | 53.25% | +252 bps | |
| Liquid Assets / Assets | 22.91% | 30.22% | 0.00% | 0.00% | 0.00% | -2,291 bps | |