Marquette, MI · Charter 7961
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, 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.
Marquette, MI · Charter 7961
Q2 2001
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 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.01% | 0.44% | 0.39% | 0.67% | 0.52% | -349 bps | |
| Return on Equity | n/a | n/a | n/a | 6.36% | 5.19% | n/a | |
| Net Interest Margin | n/a | 3.96% | 3.49% | 4.08% | 2.97% | n/a | |
| Efficiency Ratio | n/a | 83.22% | 87.76% | 83.14% | 82.42% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 11.01% | 19.83% | 1.57% | 7.49% | 2.82% | -820 bps | |
| Loan Growth (YoY) | -0.77% | 2.94% | 11.56% | 10.98% | 5.96% | +673 bps | |
| Share Growth (YoY) | 19.39% | 20.75% | 9.21% | 6.99% | 1.93% | -1,746 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.45% | 0.35% | 0.57% | 1.05% | 0.58% | +12 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.85% | 1.00% | 0.93% | 0.98% | 1.06% | +21 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 10.47% | 10.00% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 10.47% | 10.00% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.40% | 88.75% | 103.06% | 99.57% | 87.74% | +334 bps | |
| Liquid Assets / Assets | 20.00% | 6.21% | 3.08% | 7.09% | 18.23% | -177 bps | |