Detroit, MI · Charter 62859
Q4 2003
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 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.13% | 0.27% | -4.34% | -4.82% | -8.85% | -671 bps | |
| Return on Equity | -10.12% | 1.32% | -23.05% | -28.02% | -58.13% | -4,801 bps | |
| Net Interest Margin | 6.95% | 7.05% | 6.90% | 7.22% | 8.35% | +140 bps | |
| Efficiency Ratio | 119.03% | 96.78% | 123.72% | 129.84% | 145.81% | +2,679 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.60% | -3.40% | -7.20% | -9.61% | -16.55% | -495 bps | |
| Loan Growth (YoY) | 10.02% | 13.24% | -15.99% | -17.54% | -23.81% | -3,384 bps | |
| Share Growth (YoY) | -11.46% | 0.46% | -5.66% | -8.03% | -11.30% | +16 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.05% | 3.82% | 4.46% | 4.61% | 3.17% | +112 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.12% | 1.19% | 2.27% | 2.83% | 5.06% | +394 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.07% | 20.44% | 18.81% | 17.19% | 15.22% | -585 bps | |
| Net Worth / Assets | 21.07% | 20.44% | 18.81% | 17.19% | 15.22% | -585 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.44% | 74.34% | 73.05% | 72.60% | 71.67% | -1,177 bps | |
| Liquid Assets / Assets | 23.98% | 34.04% | 28.09% | 37.93% | 31.77% | +779 bps | |