Allegan, MI · Charter 5185
NCUA · 3 branches
Q1 2022
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 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.19% | 1.01% | 1.04% | 0.94% | 9.87% | +868 bps | |
| Return on Equity | 16.00% | 13.13% | 13.48% | 12.13% | 99.60% | +8,361 bps | |
| Net Interest Margin | 3.19% | 3.15% | 3.16% | 3.25% | 3.24% | +6 bps | |
| Efficiency Ratio | 78.94% | 82.18% | 80.50% | 81.21% | 31.64% | -4,731 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 46.11% | 23.47% | 22.67% | 19.19% | 8.92% | -3,719 bps | |
| Loan Growth (YoY) | 29.44% | 22.01% | 15.67% | 15.72% | 21.16% | -827 bps | |
| Share Growth (YoY) | 48.30% | 22.96% | 18.78% | 16.94% | 6.24% | -4,206 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.71% | 1.00% | 0.94% | 0.80% | 0.50% | -20 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.94% | 0.80% | 0.73% | 0.69% | 0.62% | -32 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.44% | 7.70% | 7.74% | 7.75% | 9.90% | +247 bps | |
| Net Worth / Assets | 7.44% | 7.70% | 7.74% | 7.75% | 9.90% | +247 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.14% | 65.54% | 69.41% | 70.89% | 69.72% | +859 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |