Edmore, MI · Charter 63246
Q1 2009
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 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -6.09% | -7.74% | -6.91% | -7.04% | -5.62% | +47 bps | |
| Return on Equity | -75.73% | -126.84% | -102.84% | -124.68% | -128.00% | -5,227 bps | |
| Net Interest Margin | 4.50% | 4.43% | 5.26% | 5.38% | 4.60% | +10 bps | |
| Efficiency Ratio | 97.90% | 129.19% | 115.37% | 111.99% | 132.95% | +3,506 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.43% | -3.59% | -16.04% | -19.72% | -26.56% | -2,413 bps | |
| Loan Growth (YoY) | -23.97% | -32.09% | -35.48% | -35.66% | -36.50% | -1,254 bps | |
| Share Growth (YoY) | 4.87% | 6.86% | -9.18% | -15.38% | -23.60% | -2,847 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.05% | 5.49% | 9.66% | 10.81% | 11.46% | +741 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.96% | 8.57% | 9.95% | 9.07% | 9.98% | +402 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.05% | 6.10% | 6.71% | 5.64% | 4.39% | -365 bps | |
| Net Worth / Assets | 8.05% | 6.10% | 6.71% | 5.64% | 4.39% | -365 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.84% | 66.61% | 72.68% | 66.71% | 58.87% | -1,197 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |