Redford, MI · Charter 5420
NCUA · 1 branch
Q4 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 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.80% | -3.99% | -2.07% | -1.49% | -1.30% | -50 bps | |
| Return on Equity | -9.87% | -55.08% | -28.66% | -20.55% | -17.17% | -730 bps | |
| Net Interest Margin | 1.48% | 1.35% | 1.44% | 1.60% | 1.79% | +32 bps | |
| Efficiency Ratio | 133.87% | 249% | 170.89% | 154.40% | 143.27% | +939 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.57% | -4.33% | -6.22% | -5.02% | -9.00% | -1,158 bps | |
| Loan Growth (YoY) | -20.27% | -18.07% | -23.00% | -16.43% | -11.38% | +888 bps | |
| Share Growth (YoY) | 3.94% | -2.78% | -5.81% | -5.68% | -10.56% | -1,450 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.12% | 0.00% | 0.29% | 2.64% | 2.68% | +256 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.74% | 4.18% | 4.01% | 4.03% | 4.12% | +37 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.07% | 7.24% | 7.21% | 7.26% | 7.57% | -50 bps | |
| Net Worth / Assets | 8.07% | 7.24% | 7.21% | 7.26% | 7.57% | -50 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 20.47% | 19.93% | 19.61% | 19.04% | 20.28% | -19 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |