Old Mission, MI · Charter 8153
Q3 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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.57% | 1.59% | -2.02% | -3.13% | -18.65% | -1,922 bps | |
| Return on Equity | 3.15% | 9.31% | -10.87% | -12.74% | -126.66% | -12,981 bps | |
| Net Interest Margin | 5.04% | 4.89% | 2.42% | 3.35% | 3.58% | -146 bps | |
| Efficiency Ratio | 77.47% | 67.56% | 183.19% | 193.59% | 207% | +12,917 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.42% | -11.69% | -16.57% | -42.01% | -41.23% | -3,081 bps | |
| Loan Growth (YoY) | -18.84% | -26.41% | -23.06% | -25.67% | -47.06% | -2,822 bps | |
| Share Growth (YoY) | -11.12% | -11.04% | -17.49% | -47.32% | -38.89% | -2,776 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 32.09% | 0.00% | 47.20% | 54.18% | 51.95% | +1,986 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.36% | 0.00% | 0.68% | 0.75% | 3.18% | +282 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.02% | 17.04% | 18.55% | 24.60% | 14.73% | -329 bps | |
| Net Worth / Assets | 18.02% | 17.04% | 18.55% | 24.60% | 14.73% | -329 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.28% | 74.87% | 73.80% | 103.23% | 68.68% | -1,060 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |