Detroit, MI · Charter 63223
Q4 2012
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 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.26% | 2.05% | 3.17% | -1.94% | 0.68% | +42 bps | |
| Return on Equity | 1.41% | 8.32% | 11.99% | -7.23% | 4.30% | +290 bps | |
| Net Interest Margin | 2.37% | 2.37% | 2.55% | 2.95% | 2.58% | +21 bps | |
| Efficiency Ratio | 143.85% | 214% | 155.93% | 326% | 208% | +6,390 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -25.70% | -32.69% | -29.15% | -35.38% | -31.64% | -594 bps | |
| Loan Growth (YoY) | -33.63% | -21.77% | 2.27% | 19.73% | 22.73% | +5,636 bps | |
| Share Growth (YoY) | -22.57% | -39.72% | -37.52% | -42.17% | -36.07% | -1,350 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 35.42% | 25.78% | 18.62% | 17.41% | 15.72% | -1,969 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 36.83% | 31.62% | 24.78% | 17.69% | 33.83% | -300 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.80% | 24.63% | 26.48% | 26.78% | 15.87% | -293 bps | |
| Net Worth / Assets | 18.80% | 24.63% | 26.48% | 26.78% | 15.87% | -293 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 20.93% | 28.42% | 36.56% | 43.61% | 40.18% | +1,925 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |