Traverse City, MI · Charter 7281
Q1 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 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | Q1 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.13% | 0.03% | -0.27% | -0.56% | -0.94% | -107 bps | |
| Return on Equity | 0.51% | 0.10% | -1.03% | -2.16% | -3.53% | -405 bps | |
| Net Interest Margin | 2.19% | 2.10% | 2.07% | 2.08% | 1.56% | -64 bps | |
| Efficiency Ratio | 94.39% | 98.80% | 112.49% | 126.50% | 158.72% | +6,433 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.34% | 0.04% | -0.87% | -4.65% | -9.56% | -1,390 bps | |
| Loan Growth (YoY) | -0.68% | -6.23% | -7.88% | -21.04% | -28.35% | -2,767 bps | |
| Share Growth (YoY) | 7.01% | 1.10% | -0.45% | -5.52% | -11.78% | -1,879 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.03% | 0.23% | +23 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.57% | 0.63% | 0.64% | 0.76% | 0.86% | +29 bps | |
| Capital | |||||||
| Risk-Based Capital | 24.95% | 25.21% | 25.74% | 26.19% | 26.73% | +178 bps | |
| Net Worth / Assets | 24.95% | 25.21% | 25.74% | 26.19% | 26.73% | +178 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 32.18% | 30.14% | 31.48% | 28.02% | 26.13% | -605 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |