Michigan Center, MI · Charter 7797
Q1 2008
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 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.19% | 1.41% | 1.49% | 1.45% | 1.25% | +6 bps | |
| Return on Equity | 15.52% | 17.12% | 16.65% | 15.51% | 12.51% | -301 bps | |
| Net Interest Margin | 4.56% | 4.67% | 4.92% | 4.99% | 4.87% | +31 bps | |
| Efficiency Ratio | 77.65% | 74.89% | 75.15% | 74.49% | 75.30% | -235 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.37% | -0.34% | 1.48% | 5.19% | -10.19% | -1,257 bps | |
| Loan Growth (YoY) | -15.32% | -5.87% | 0.92% | 0.24% | 16.06% | +3,138 bps | |
| Share Growth (YoY) | 2.11% | 3.26% | 3.33% | 9.14% | -14.24% | -1,635 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.89% | 0.77% | 1.09% | 0.93% | 0.79% | -10 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.37% | 1.08% | 0.88% | 0.79% | 0.69% | -68 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.65% | 8.24% | 8.94% | 9.37% | 10.01% | +235 bps | |
| Net Worth / Assets | 7.65% | 8.24% | 8.94% | 9.37% | 10.01% | +235 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.12% | 87.40% | 93.45% | 91.24% | 100.31% | +2,619 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |