Auto Club Trust, FSB
Dearborn, MI · Cert 35115 · Peer group: banks under $1B in assets (n=547-599)
FDIC · 1 branch
Q1 2025
$466.1MAssets
$242.0MLoans
$339.1MDeposits
$32.2MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 75% of banks under $1B in assets (rank 151 of 598).
- Widest gap: net interest margin trails 98% of banks under $1B in assets (rank 588 of 598).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
-0.80%
Rank 574 of 599
Net Interest Margin
1.36%
Rank 588 of 598
Efficiency Ratio
126.01%
Rank 579 of 598
Equity / Assets
6.90%
Rank 534 of 598
Non-interest income vs. expense
Unfavorable gap of $11.2M · efficiency ratio beats 3% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.80% | 0.47% | 0.86% | 1.38% | Beats 4% | 574 / 599 | | |
| Return on Equity | -11.65% | 4.56% | 8.90% | 12.65% | Beats 3% | 583 / 598 | | |
| Net Interest Margin | 1.36% | 2.82% | 3.31% | 3.84% | Beats 2% | 588 / 598 | | |
| Efficiency Ratio | 126.01% | 60.53% | 70.73% | 82.91% | Beats 3% | 579 / 598 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.42% | 0.06% | 0.34% | 0.91% | Beats 15% | 466 / 547 | | |
| Net Charge-Offs / Loans | 0.22% | n/a | 0.00% | 0.02% | Beats 4% | 524 / 547 | | |
| Capital |
| Tier 1 Capital Ratio | 17.93% | 11.11% | 13.78% | 18.22% | Beats 74% | 156 / 598 | | |
| Total Risk-Based Capital Ratio | 19.13% | 11.62% | 14.42% | 19.14% | Beats 75% | 151 / 598 | | |
| Equity / Assets | 6.90% | 8.34% | 10.07% | 12.96% | Beats 11% | 534 / 598 | | |
| Liquidity & Funding |
| Loans / Deposits | 71.38% | 60.71% | 77.02% | 90.89% | 39th pctl | 341 / 561 | | |
| Loans / Assets | 51.92% | 54.47% | 67.19% | 77.36% | 21st pctl | 431 / 547 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |