Wyoming, MI · Charter 24827
NCUA · 1 branch
Q3 2021
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 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.77% | 0.09% | 0.32% | 0.59% | 0.61% | 0.54% | 0.64% | -0.84% | -143 bps | |
| Return on Equity | -19.44% | 1.03% | 3.81% | 6.67% | 7.06% | 6.48% | 7.62% | -11.20% | -1,786 bps | |
| Net Interest Margin | 4.61% | 4.75% | 4.43% | 4.59% | 4.58% | 5.06% | 4.83% | 3.29% | -129 bps | |
| Efficiency Ratio | 112.18% | 92.01% | 82.04% | 79.07% | 77.84% | 84.48% | 83.28% | 112.43% | +3,336 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.50% | -8.46% | 8.26% | 9.18% | 13.05% | 18.58% | 11.77% | 9.93% | +75 bps | |
| Loan Growth (YoY) | -9.14% | 0.35% | 11.09% | 12.32% | 18.89% | 14.44% | 14.40% | 8.44% | -388 bps | |
| Share Growth (YoY) | -2.35% | -8.69% | 8.66% | 12.20% | 15.18% | 18.99% | 14.78% | 11.64% | -56 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.56% | 1.59% | 2.03% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.95% | 1.92% | 2.06% | 2.20% | 2.48% | 2.55% | 2.21% | 1.27% | -93 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.09% | 9.12% | 8.54% | 8.79% | 8.65% | 8.39% | 8.38% | 7.54% | -125 bps | |
| Net Worth / Assets | 9.09% | 9.12% | 8.54% | 8.79% | 8.65% | 8.39% | 8.38% | 7.54% | -125 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.66% | 70.05% | 68.70% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |