Kalamazoo, MI · Charter 68312
Q1 2010
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 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.28% | -3.06% | -2.35% | -2.19% | -0.95% | +133 bps | |
| Return on Equity | -38.67% | -50.27% | -39.56% | -41.45% | -24.98% | +1,369 bps | |
| Net Interest Margin | 3.06% | 2.97% | 3.08% | 3.08% | 3.00% | -7 bps | |
| Efficiency Ratio | 90.16% | 73.73% | 76.27% | 84.14% | 107.62% | +1,746 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.97% | -0.18% | 2.44% | 7.33% | 9.24% | +1,221 bps | |
| Loan Growth (YoY) | -12.95% | -12.95% | -13.88% | -12.28% | -14.59% | -164 bps | |
| Share Growth (YoY) | -1.17% | 1.13% | 3.42% | 9.06% | 11.80% | +1,298 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.82% | 6.30% | 5.56% | 7.56% | 4.82% | -99 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.10% | 2.66% | 2.82% | 2.67% | 3.33% | +23 bps | |
| Capital | |||||||
| Risk-Based Capital | 5.89% | 6.09% | 5.94% | 5.28% | 3.79% | -209 bps | |
| Net Worth / Assets | 5.89% | 6.09% | 5.94% | 5.28% | 3.79% | -209 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.51% | 67.37% | 66.04% | 62.35% | 54.63% | -1,688 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |