Burton, MI · Charter 62560
Q4 2014
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 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.94% | -0.99% | -0.80% | -0.80% | -0.88% | +6 bps | |
| Return on Equity | -8.84% | -10.14% | -8.23% | -8.17% | -9.24% | -39 bps | |
| Net Interest Margin | 1.87% | 1.76% | 1.82% | 1.89% | 1.92% | +5 bps | |
| Efficiency Ratio | 123.98% | 127.00% | 122.08% | 122.71% | 123.59% | -39 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.35% | 3.58% | 3.73% | 3.33% | 2.17% | -17 bps | |
| Loan Growth (YoY) | -1.30% | -2.50% | -5.35% | -5.67% | -8.70% | -741 bps | |
| Share Growth (YoY) | 4.15% | 5.61% | 5.63% | 4.81% | 3.40% | -75 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.45% | 0.29% | 0.32% | 0.32% | 0.62% | +17 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.50% | 0.54% | 0.54% | 0.56% | 0.72% | +21 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.64% | 9.80% | 9.73% | 9.75% | 9.53% | -111 bps | |
| Net Worth / Assets | 10.64% | 9.80% | 9.73% | 9.75% | 9.53% | -111 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 35.29% | 32.01% | 31.87% | 32.22% | 31.16% | -413 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |