Lincoln Park, MI · Charter 62630
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 30, 2015, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Lincoln Park, MI · Charter 62630
Q2 2015
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 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.11% | 0.04% | 0.02% | 0.17% | -0.54% | -42 bps | |
| Return on Equity | -1.35% | 0.45% | 0.27% | 2.04% | -6.69% | -534 bps | |
| Net Interest Margin | 2.07% | 2.19% | 2.19% | 1.94% | 1.85% | -22 bps | |
| Efficiency Ratio | 98.29% | 95.65% | 96.46% | 98.38% | 130.83% | +3,254 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.76% | 1.72% | 0.88% | 0.74% | 1.50% | +74 bps | |
| Loan Growth (YoY) | 11.45% | 10.80% | 4.52% | -1.87% | -5.17% | -1,662 bps | |
| Share Growth (YoY) | 1.49% | 0.93% | 0.31% | 0.00% | 1.80% | +31 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.93% | 0.45% | 0.61% | 0.79% | 0.39% | -54 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.09% | 0.86% | 0.78% | 0.65% | 0.52% | -57 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.34% | 8.68% | 8.66% | 8.37% | 8.03% | -31 bps | |
| Net Worth / Assets | 8.34% | 8.68% | 8.66% | 8.37% | 8.03% | -31 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 27.10% | 27.91% | 27.77% | 26.03% | 25.25% | -186 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |