East Pointe, MI · Charter 7276
Q2 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2015, the quarter ended June 30, 2015, 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.
East Pointe, MI · Charter 7276
Q2 2015
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 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.61% | -0.51% | -0.44% | -0.56% | -1.44% | -83 bps | |
| Return on Equity | -4.36% | -3.57% | -3.13% | -4.18% | -10.76% | -640 bps | |
| Net Interest Margin | 1.93% | 2.00% | 1.99% | 1.89% | 1.94% | +1 bps | |
| Efficiency Ratio | 122.06% | 118.32% | 115.24% | 119.76% | 160.63% | +3,858 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.90% | -0.99% | -2.61% | -1.46% | -1.69% | -79 bps | |
| Loan Growth (YoY) | 1.57% | -1.84% | 1.20% | -1.17% | -0.57% | -214 bps | |
| Share Growth (YoY) | -0.67% | -1.70% | -2.72% | -0.69% | -0.98% | -31 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.23% | 0.09% | 0.17% | 0.29% | 0.03% | -20 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.31% | 0.30% | 0.33% | 0.36% | 0.22% | -8 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.01% | 14.30% | 14.14% | 13.48% | 13.40% | -61 bps | |
| Net Worth / Assets | 14.01% | 14.30% | 14.14% | 13.48% | 13.40% | -61 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 31.11% | 32.59% | 33.11% | 30.42% | 31.24% | +13 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |