Taylor, MI · Charter 6860
Q4 2012
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 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.22% | 0.50% | 0.84% | 0.88% | 0.77% | +55 bps | |
| Return on Equity | 2.78% | 6.50% | 10.51% | 10.33% | 8.73% | +594 bps | |
| Net Interest Margin | 3.49% | 3.20% | 3.12% | 3.21% | 3.22% | -27 bps | |
| Efficiency Ratio | 78.96% | 65.87% | 67.33% | 70.41% | 71.71% | -725 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.15% | 1.47% | 2.01% | 0.49% | -1.72% | -188 bps | |
| Loan Growth (YoY) | -13.25% | -11.78% | -10.93% | -11.17% | -11.65% | +160 bps | |
| Share Growth (YoY) | -0.16% | 1.48% | 1.88% | -0.14% | -2.75% | -259 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.96% | 2.18% | 1.51% | 1.26% | 1.85% | -111 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.29% | 3.27% | 3.18% | 2.90% | 2.98% | -31 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.86% | 7.73% | 7.99% | 8.50% | 8.77% | +90 bps | |
| Net Worth / Assets | 7.86% | 7.73% | 7.99% | 8.50% | 8.77% | +90 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 46.03% | 42.86% | 41.63% | 42.25% | 41.82% | -421 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |