Jackson, MI · Charter 6381
Q4 2008
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 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.05% | -2.51% | -0.68% | -0.44% | -0.28% | +77 bps | |
| Return on Equity | -16.81% | -45.32% | -11.84% | -7.20% | -4.37% | +1,244 bps | |
| Net Interest Margin | 5.27% | 5.12% | 5.16% | 5.49% | 5.55% | +28 bps | |
| Efficiency Ratio | 99.56% | 93.72% | 88.32% | 91.71% | 92.80% | -676 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.59% | -7.43% | -11.16% | -3.91% | -5.07% | +52 bps | |
| Loan Growth (YoY) | -7.49% | -5.41% | -6.94% | -3.09% | -3.49% | +400 bps | |
| Share Growth (YoY) | -5.25% | -6.55% | -10.66% | -3.80% | -5.40% | -15 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.19% | 0.50% | 0.53% | 0.64% | 0.99% | -120 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.01% | 2.21% | 2.29% | 1.96% | 1.72% | -30 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.24% | 5.54% | 5.75% | 6.09% | 6.30% | +6 bps | |
| Net Worth / Assets | 6.24% | 5.54% | 5.75% | 6.09% | 6.30% | +6 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.52% | 68.31% | 66.77% | 72.07% | 71.94% | +143 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |