Saginaw, MI · Charter 1594
NCUA · 3 branches
Q4 2018
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.02% | -1.07% | -0.39% | -0.25% | -0.24% | -26 bps | |
| Return on Equity | 0.14% | -9.38% | -3.34% | -2.02% | -1.96% | -211 bps | |
| Net Interest Margin | 3.14% | 2.94% | 3.01% | 3.16% | 3.29% | +14 bps | |
| Efficiency Ratio | 90.47% | 95.87% | 93.06% | 93.87% | 92.85% | +238 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.07% | -5.31% | -4.15% | -5.40% | -5.14% | -107 bps | |
| Loan Growth (YoY) | 8.32% | 5.36% | 4.15% | -0.68% | -1.52% | -984 bps | |
| Share Growth (YoY) | -4.84% | -5.65% | -4.65% | -6.18% | -5.21% | -37 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.52% | 1.89% | 1.10% | 1.55% | 0.98% | -53 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.57% | 1.08% | 1.04% | 1.02% | 1.13% | +56 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.88% | 11.45% | 11.55% | 12.18% | 12.17% | +29 bps | |
| Net Worth / Assets | 11.88% | 11.45% | 11.55% | 12.18% | 12.17% | +29 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.21% | 46.22% | 46.68% | 48.83% | 49.05% | +184 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |