Dearborn Hts, MI · Charter 6720
Q4 1998
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.47% | 0.41% | 0.26% | -0.26% | -0.85% | -232 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -14.23% | -12.58% | -13.15% | -17.39% | -15.04% | -80 bps | |
| Loan Growth (YoY) | -8.76% | -19.74% | -6.77% | -21.62% | -30.27% | -2,150 bps | |
| Share Growth (YoY) | -15.98% | -13.78% | -13.60% | -18.15% | -14.27% | +171 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.38% | 1.91% | 2.90% | 2.33% | 2.80% | +242 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.46% | 1.61% | 1.28% | 1.51% | 0.35% | -111 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 91.93% | 87.01% | 94.60% | 78.63% | 74.78% | -1,715 bps | |
| Liquid Assets / Assets | 16.06% | 22.90% | 14.96% | 28.79% | 31.47% | +1,541 bps | |