Saginaw, MI · Charter 10848
NCUA · 6 branches
Q1 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2019, the quarter ended March 31, 2019, 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.
Saginaw, MI · Charter 10848
NCUA · 6 branches
Q1 2019
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 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.30% | 0.39% | 0.38% | 0.28% | 0.30% | 0.40% | 0.38% | 0.00% | -28 bps | |
| Return on Equity | 2.74% | 3.50% | 3.37% | 2.50% | 2.62% | 3.39% | 3.20% | 0.03% | -247 bps | |
| Net Interest Margin | 3.00% | 3.06% | 3.14% | 3.13% | 3.24% | 3.32% | 3.40% | 3.20% | +7 bps | |
| Efficiency Ratio | 85.69% | 83.10% | 82.42% | 82.50% | 82.69% | 80.33% | 81.23% | 87.59% | +509 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.39% | 0.42% | 0.08% | 0.54% | -0.10% | -0.79% | -1.95% | -2.05% | -259 bps | |
| Loan Growth (YoY) | 7.64% | 9.57% | 9.74% | 13.14% | 10.92% | 7.09% | 5.32% | 0.50% | -1,264 bps | |
| Share Growth (YoY) | 0.15% | 0.01% | -0.64% | 0.18% | -0.43% | -2.77% | -2.26% | -2.98% | -316 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.71% | 0.79% | 1.24% | 0.68% | 0.61% | 0.57% | 0.70% | 0.45% | -23 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.37% | 0.38% | 0.40% | 0.43% | 0.45% | 0.48% | 0.48% | 0.52% | +9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.01% | 11.21% | 11.33% | 11.17% | 11.39% | 11.68% | 11.94% | 11.71% | +54 bps | |
| Net Worth / Assets | 11.01% | 11.21% | 11.33% | 11.17% | 11.39% | 11.68% | 11.94% | 11.71% | +54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.81% | 75.48% | 77.72% | 78.00% | 80.00% | 83.14% | 83.74% | 80.79% | +280 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |