Three Rivers, MI · Charter 9867
Q3 2011
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 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.07% | -0.81% | -1.57% | -1.96% | -7.69% | -662 bps | |
| Return on Equity | -4.86% | -3.83% | -8.56% | -11.18% | -41.24% | -3,638 bps | |
| Net Interest Margin | 7.13% | 6.45% | 6.38% | 6.33% | 8.36% | +123 bps | |
| Efficiency Ratio | 103.77% | 98.51% | 124.59% | 124.72% | 129.32% | +2,555 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.53% | 3.37% | -0.91% | 4.48% | -22.72% | -1,720 bps | |
| Loan Growth (YoY) | -10.12% | -6.07% | -7.84% | -14.90% | -49.83% | -3,970 bps | |
| Share Growth (YoY) | -3.52% | 8.80% | 7.61% | 11.49% | -19.88% | -1,636 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.03% | 4.58% | 6.44% | 5.76% | 0.00% | -503 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.36% | 1.00% | 3.06% | 3.55% | 0.00% | -36 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.98% | 21.10% | 18.33% | 17.56% | 18.64% | -335 bps | |
| Net Worth / Assets | 21.98% | 21.10% | 18.33% | 17.56% | 18.64% | -335 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 71.84% | 72.47% | 67.38% | 64.03% | 44.99% | -2,686 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |