Wyandotte, MI · Charter 7324
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, 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.
Wyandotte, MI · Charter 7324
Q2 2007
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 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.21% | -0.06% | 0.28% | 0.45% | -1.28% | -106 bps | |
| Return on Equity | -1.96% | -0.55% | 2.55% | 3.99% | -12.31% | -1,035 bps | |
| Net Interest Margin | 4.20% | 4.33% | 4.01% | 3.82% | 3.91% | -29 bps | |
| Efficiency Ratio | 98.74% | 95.67% | 90.66% | 90.77% | 106.83% | +809 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.73% | 0.31% | 10.54% | 1.65% | 3.02% | -171 bps | |
| Loan Growth (YoY) | 0.59% | 0.21% | 2.77% | -1.09% | 1.34% | +75 bps | |
| Share Growth (YoY) | 5.77% | 4.20% | 2.81% | 2.40% | 4.68% | -109 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.60% | 0.91% | 1.28% | 1.19% | 1.13% | +53 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.51% | 0.52% | 0.53% | 0.49% | 0.97% | +46 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.96% | 11.23% | 10.81% | 11.20% | 10.38% | -57 bps | |
| Net Worth / Assets | 10.96% | 11.23% | 10.81% | 11.20% | 10.38% | -57 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 65.79% | 68.42% | 68.13% | 61.38% | 63.70% | -210 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |