Redford, MI · Charter 62682
Q3 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2015, the quarter ended September 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.
Redford, MI · Charter 62682
Q3 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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.06% | 0.05% | 0.09% | 0.13% | 0.01% | -6 bps | |
| Return on Equity | 0.85% | 0.61% | 1.20% | 1.64% | 0.07% | -79 bps | |
| Net Interest Margin | 2.67% | 2.74% | 2.70% | 2.67% | 2.77% | +10 bps | |
| Efficiency Ratio | 90.22% | 92.89% | 97.05% | 95.88% | 95.35% | +512 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.90% | -4.78% | -1.49% | -3.39% | -2.50% | +140 bps | |
| Loan Growth (YoY) | 3.23% | 10.28% | 23.31% | 14.84% | 3.72% | +49 bps | |
| Share Growth (YoY) | -3.68% | -5.10% | -1.75% | -3.68% | -2.81% | +88 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.95% | 2.64% | 3.65% | 2.23% | 2.27% | -68 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.75% | 2.71% | 2.69% | 1.82% | 2.16% | -59 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.55% | 7.69% | 7.59% | 7.66% | 7.75% | +20 bps | |
| Net Worth / Assets | 7.55% | 7.69% | 7.59% | 7.66% | 7.75% | +20 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 54.99% | 56.12% | 57.79% | 55.16% | 58.68% | +369 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |