Novi, MI · Charter 63401
Q4 2013
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 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -4.08% | -4.78% | -4.27% | -4.38% | -9.41% | -532 bps | |
| Return on Equity | -25.90% | -30.06% | -29.12% | -31.15% | -115.23% | -8,933 bps | |
| Net Interest Margin | 3.58% | 3.69% | 3.78% | 3.85% | 3.94% | +36 bps | |
| Efficiency Ratio | 167.69% | 176.40% | 167.59% | 167.12% | 239% | +7,087 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.00% | -16.18% | -13.73% | -0.07% | -10.27% | -327 bps | |
| Loan Growth (YoY) | -1.61% | -10.06% | -13.42% | -9.38% | -2.92% | -131 bps | |
| Share Growth (YoY) | -4.11% | -15.16% | -11.86% | 5.88% | -5.48% | -137 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 15.20% | 15.15% | 13.12% | 12.54% | 12.59% | -260 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 19.67% | 20.20% | 18.88% | 17.56% | 18.26% | -141 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.77% | 15.89% | 14.68% | 14.07% | 8.17% | -761 bps | |
| Net Worth / Assets | 15.77% | 15.89% | 14.68% | 14.07% | 8.17% | -761 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 35.90% | 36.67% | 33.53% | 36.58% | 36.88% | +97 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |