Warren, MI · Charter 63678
Q2 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2012, the quarter ended June 30, 2012, 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.
Warren, MI · Charter 63678
Q2 2012
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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.44% | 0.01% | 0.25% | 0.12% | 0.56% | +12 bps | |
| Return on Equity | 4.33% | 0.09% | 2.48% | 1.26% | 5.88% | +155 bps | |
| Net Interest Margin | 3.32% | 3.33% | 3.28% | 2.98% | 3.05% | -27 bps | |
| Efficiency Ratio | 82.01% | 90.63% | 87.18% | 90.17% | 86.76% | +475 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 28.07% | 22.83% | 14.29% | 13.56% | 10.16% | -1,791 bps | |
| Loan Growth (YoY) | 5.31% | 6.96% | 1.75% | 6.98% | 3.65% | -166 bps | |
| Share Growth (YoY) | 30.22% | 24.30% | 16.97% | 16.09% | 11.54% | -1,868 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.18% | 2.28% | 1.63% | 1.39% | 0.56% | -162 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.18% | 2.48% | 1.79% | 1.80% | 1.66% | -52 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.16% | 10.01% | 10.00% | 9.14% | 9.49% | -67 bps | |
| Net Worth / Assets | 10.16% | 10.01% | 10.00% | 9.14% | 9.49% | -67 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 63.47% | 63.04% | 60.36% | 59.97% | 58.98% | -449 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |