Dearborn Hts, MI · Charter 65069
Q3 2004
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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.27% | 0.22% | -0.19% | -10.36% | -8.13% | -1,040 bps | |
| Return on Equity | 21.74% | 2.02% | -1.76% | -142.49% | -118.25% | -13,999 bps | |
| Net Interest Margin | 4.32% | 4.44% | 4.49% | 3.86% | 4.96% | +64 bps | |
| Efficiency Ratio | 47.79% | 91.90% | 102.42% | 233% | 184.26% | +13,647 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.20% | -2.51% | -5.07% | -12.59% | -19.00% | -1,780 bps | |
| Loan Growth (YoY) | 5.52% | 8.56% | 8.28% | -1.60% | -12.37% | -1,789 bps | |
| Share Growth (YoY) | -1.70% | -3.06% | -5.89% | -9.96% | -15.46% | -1,376 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.72% | 0.70% | 2.94% | 13.87% | 16.18% | +1,547 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.28% | 0.35% | 0.38% | 6.01% | 6.34% | +606 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.44% | 10.78% | 10.88% | 7.27% | 6.87% | -357 bps | |
| Net Worth / Assets | 10.44% | 10.78% | 10.88% | 7.27% | 6.87% | -357 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.47% | 50.22% | 49.60% | 47.69% | 49.20% | +173 bps | |
| Liquid Assets / Assets | 19.98% | 18.95% | 46.83% | 23.02% | 22.93% | +296 bps | |