Kalamazoo, MI · Charter 62873
Q4 2005
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 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.03% | 0.62% | 0.92% | 0.83% | -0.84% | -87 bps | |
| Return on Equity | 0.29% | 6.46% | 9.14% | 8.00% | -9.23% | -952 bps | |
| Net Interest Margin | 4.46% | 4.22% | 4.29% | 4.37% | 4.43% | -3 bps | |
| Efficiency Ratio | 79.68% | 74.84% | 70.59% | 71.99% | 78.35% | -133 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.02% | -3.13% | -0.64% | 0.17% | -1.76% | +26 bps | |
| Loan Growth (YoY) | -7.76% | -9.90% | -7.35% | -7.32% | -8.54% | -78 bps | |
| Share Growth (YoY) | -2.74% | -4.08% | -1.93% | -0.27% | -0.59% | +215 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.04% | 3.56% | 3.29% | 4.33% | 3.63% | -142 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.54% | 2.87% | 3.10% | 2.98% | 5.16% | +262 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.79% | 9.68% | 10.05% | 10.39% | 9.15% | -63 bps | |
| Net Worth / Assets | 9.79% | 9.68% | 10.05% | 10.39% | 9.15% | -63 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 57.15% | 52.74% | 53.84% | 54.36% | 52.58% | -457 bps | |
| Liquid Assets / Assets | 15.71% | 19.62% | 16.59% | 11.58% | 15.32% | -39 bps | |