Plymouth, MI · Charter 7275
Q3 2012
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 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.58% | 2.19% | 1.65% | 1.67% | 1.82% | -76 bps | |
| Return on Equity | 23.75% | 19.53% | 14.82% | 14.59% | 15.13% | -862 bps | |
| Net Interest Margin | 4.39% | 4.35% | 4.54% | 4.51% | 4.46% | +7 bps | |
| Efficiency Ratio | 58.11% | 61.55% | 60.94% | 59.84% | 59.01% | +91 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.00% | 4.97% | 7.08% | 7.03% | 4.09% | -291 bps | |
| Loan Growth (YoY) | 7.25% | 6.12% | 5.13% | 7.88% | 8.55% | +130 bps | |
| Share Growth (YoY) | 7.66% | 7.40% | 8.63% | 8.89% | 4.37% | -329 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.87% | 1.88% | 1.89% | 1.70% | 1.86% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.97% | 0.93% | 0.89% | 0.93% | 0.90% | -6 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.87% | 11.21% | 11.13% | 11.47% | 12.03% | +116 bps | |
| Net Worth / Assets | 10.87% | 11.21% | 11.13% | 11.47% | 12.03% | +116 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 105.55% | 106.26% | 103.09% | 104.68% | 109.78% | +423 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |