Royal Oak, MI · Charter 62971
Q3 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2007, the quarter ended September 30, 2007, 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.
Royal Oak, MI · Charter 62971
Q3 2007
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 2006 | Q4 2006 | Q1 2007 | Q2 2007 | Q3 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.27% | 0.18% | -0.39% | -0.77% | -0.49% | -77 bps | |
| Return on Equity | 2.23% | 1.42% | -3.16% | -6.26% | -3.73% | -596 bps | |
| Net Interest Margin | 4.62% | 4.55% | 4.20% | 4.40% | 4.70% | +8 bps | |
| Efficiency Ratio | 94.67% | 94.83% | 105.02% | 99.81% | 98.93% | +426 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.73% | -12.87% | -15.18% | -12.67% | -8.76% | +97 bps | |
| Loan Growth (YoY) | -1.20% | -3.06% | -7.37% | -14.77% | -11.49% | -1,029 bps | |
| Share Growth (YoY) | -11.03% | -18.31% | -17.22% | -13.91% | -9.69% | +134 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.80% | 2.09% | 1.37% | 0.36% | 0.90% | -90 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.21% | 0.40% | 0.35% | 0.61% | 0.60% | +39 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.36% | 12.48% | 12.36% | 12.27% | 13.14% | +79 bps | |
| Net Worth / Assets | 12.36% | 12.48% | 12.36% | 12.27% | 13.14% | +79 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.14% | 61.09% | 56.30% | 53.61% | 58.95% | -120 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |