St Joseph, MI · Charter 64077
Q2 2001
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 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.21% | 0.82% | 0.89% | 1.27% | -6.23% | -844 bps | |
| Return on Equity | n/a | n/a | n/a | 9.51% | -62.51% | n/a | |
| Net Interest Margin | n/a | 5.69% | 5.33% | 6.34% | 4.84% | n/a | |
| Efficiency Ratio | n/a | 85.31% | 88.92% | 82.77% | 202% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 20.58% | 9.29% | 4.13% | -1.65% | -13.48% | -3,406 bps | |
| Loan Growth (YoY) | 18.54% | -2.66% | -4.78% | -23.84% | -40.14% | -5,868 bps | |
| Share Growth (YoY) | 21.02% | 8.33% | 2.18% | -5.26% | -14.53% | -3,555 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.40% | 2.70% | 3.32% | 2.37% | 2.86% | +46 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.16% | 0.89% | 1.20% | 1.60% | 1.48% | +32 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 13.32% | 9.97% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 13.32% | 9.97% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.56% | 63.08% | 49.55% | 55.36% | 41.72% | -1,785 bps | |
| Liquid Assets / Assets | 44.12% | 8.15% | 7.69% | 50.71% | 60.89% | +1,676 bps | |