Battle Creek, MI · Charter 439
NCUA · 1 branch
Q1 2017
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 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.00% | -0.14% | -0.12% | -0.20% | -0.01% | 0.05% | 0.02% | -3.24% | -304 bps | |
| Return on Equity | 0.00% | -0.75% | -0.66% | -1.12% | -0.07% | 0.30% | 0.11% | -19.92% | -1,880 bps | |
| Net Interest Margin | 2.18% | 2.10% | 2.10% | 2.19% | 2.23% | 2.18% | 2.17% | 1.97% | -21 bps | |
| Efficiency Ratio | 100.01% | 104.85% | 104.15% | 106.78% | 100.05% | 97.99% | 99.14% | 236% | +12,898 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.52% | 3.33% | 4.42% | 0.10% | -0.43% | 2.77% | -1.64% | 5.90% | +580 bps | |
| Loan Growth (YoY) | 0.94% | -4.78% | -0.17% | -0.72% | -6.71% | -6.58% | -7.33% | -6.75% | -603 bps | |
| Share Growth (YoY) | 5.02% | 1.85% | 5.49% | 1.15% | -0.51% | 5.57% | 1.93% | 9.70% | +854 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.17% | 0.18% | 0.18% | 0.38% | 0.37% | 0.25% | 0.44% | 0.46% | +9 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 | 0.53% | 0.56% | 0.54% | 0.55% | 0.56% | 0.60% | 0.62% | 0.65% | +10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.71% | 17.94% | 17.46% | 18.02% | 17.66% | 17.48% | 17.77% | 16.27% | -175 bps | |
| Net Worth / Assets | 17.71% | 17.94% | 17.46% | 18.02% | 17.66% | 17.48% | 17.77% | 16.27% | -175 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 28.24% | 28.52% | 27.17% | 27.02% | 26.48% | 25.23% | 24.70% | 22.97% | -405 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |