Michigan Center, MI · Charter 68585
Q4 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2008, the quarter ended December 31, 2008, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Michigan Center, MI · Charter 68585
Q4 2008
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 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|
| Earnings | |||||
| Return on Assets | 0.84% | 1.13% | -3.59% | n/a | |
| Return on Equity | 10.01% | 12.43% | -77.35% | n/a | |
| Net Interest Margin | 4.42% | 4.67% | 4.65% | n/a | |
| Efficiency Ratio | 73.30% | 72.89% | 108.90% | n/a | |
| Growth | |||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | n/a |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | n/a |
| Asset Quality | |||||
| Delinquent Loans / Loans | 0.44% | 0.44% | 0.37% | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.75% | 0.67% | 3.31% | n/a | |
| Capital | |||||
| Risk-Based Capital | 8.43% | 9.11% | 4.64% | n/a | |
| Net Worth / Assets | 8.43% | 9.11% | 4.64% | n/a | |
| Liquidity & Funding | |||||
| Loans / Shares | 103.35% | 110.43% | 128.02% | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | n/a | |