Auburn Hills, MI · Charter 7280
Q3 2013
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2013, the quarter ended September 30, 2013, 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.
Auburn Hills, MI · Charter 7280
Q3 2013
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 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.29% | 1.25% | 0.54% | 0.42% | 0.79% | -51 bps | |
| Return on Equity | 11.92% | 11.35% | 5.07% | 3.96% | 6.94% | -499 bps | |
| Net Interest Margin | 4.55% | 4.47% | 3.98% | 4.01% | 4.11% | -44 bps | |
| Efficiency Ratio | 66.35% | 65.31% | 70.89% | 68.77% | 69.40% | +305 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.56% | 0.32% | 2.29% | 3.66% | 3.66% | +423 bps | |
| Loan Growth (YoY) | 5.12% | 0.39% | -4.78% | 0.05% | 4.88% | -25 bps | |
| Share Growth (YoY) | -2.59% | -0.76% | 1.19% | 2.98% | 2.89% | +548 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.78% | 2.24% | 2.11% | 2.17% | 1.65% | -113 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.87% | 1.72% | 1.74% | 1.84% | 1.66% | -21 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.84% | 11.00% | 10.62% | 10.69% | 11.33% | +49 bps | |
| Net Worth / Assets | 10.84% | 11.00% | 10.62% | 10.69% | 11.33% | +49 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 93.76% | 90.39% | 85.35% | 89.54% | 95.57% | +181 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |