Wyoming, MI · Charter 24827
NCUA · 1 branch
Q3 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2021, the quarter ended September 30, 2021, 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.
Wyoming, MI · Charter 24827
NCUA · 1 branch
Q3 2021
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 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.59% | 0.61% | 0.54% | 0.64% | -0.84% | -143 bps | |
| Return on Equity | 6.67% | 7.06% | 6.48% | 7.62% | -11.20% | -1,786 bps | |
| Net Interest Margin | 4.59% | 4.58% | 5.06% | 4.83% | 3.29% | -129 bps | |
| Efficiency Ratio | 79.07% | 77.84% | 84.48% | 83.28% | 112.43% | +3,336 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 9.18% | 13.05% | 18.58% | 11.77% | 9.93% | +75 bps | |
| Loan Growth (YoY) | 12.32% | 18.89% | 14.44% | 14.40% | 8.44% | -388 bps | |
| Share Growth (YoY) | 12.20% | 15.18% | 18.99% | 14.78% | 11.64% | -56 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.61% | 1.45% | 0.84% | 0.51% | 0.56% | -105 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.20% | 2.48% | 2.55% | 2.21% | 1.27% | -93 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.79% | 8.65% | 8.39% | 8.38% | 7.54% | -125 bps | |
| Net Worth / Assets | 8.79% | 8.65% | 8.39% | 8.38% | 7.54% | -125 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.88% | 69.84% | 67.38% | 68.47% | 64.96% | -191 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |