Marshall, MI · Charter 6635
Q1 2004
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 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.96% | 1.04% | 0.95% | 0.89% | -23.00% | -2,396 bps | |
| Return on Equity | 6.81% | 7.41% | 6.90% | 6.44% | -289% | -29,605 bps | |
| Net Interest Margin | 1.27% | 1.35% | 1.29% | 1.20% | -22.61% | -2,388 bps | |
| Efficiency Ratio | 24.42% | 20.97% | 21.41% | 21.81% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 22.85% | 19.82% | 18.01% | 15.55% | 7.73% | -1,511 bps | |
| Loan Growth (YoY) | -4.82% | -10.19% | -13.45% | -16.78% | -13.45% | -863 bps | |
| Share Growth (YoY) | 27.83% | 23.95% | 21.86% | 18.82% | 16.43% | -1,140 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.11% | 0.26% | 0.35% | 0.46% | 0.20% | +9 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.31% | 0.15% | 0.24% | 0.24% | 0.35% | +3 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.05% | 14.00% | 13.84% | 13.74% | 7.95% | -610 bps | |
| Net Worth / Assets | 14.05% | 14.00% | 13.84% | 13.74% | 7.95% | -610 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 36.72% | 34.01% | 32.15% | 30.07% | 27.30% | -942 bps | |
| Liquid Assets / Assets | 34.51% | 37.51% | 38.80% | 41.90% | 51.61% | +1,710 bps | |