Warren, MI · Charter 5441
NCUA · 1 branch
Q4 2019
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 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.34% | 0.24% | 0.38% | 0.05% | -2.15% | -181 bps | |
| Return on Equity | -4.17% | 3.14% | 4.81% | 0.59% | -39.46% | -3,529 bps | |
| Net Interest Margin | 4.67% | 4.52% | 4.56% | 4.79% | 4.52% | -15 bps | |
| Efficiency Ratio | 100.89% | 92.10% | 91.77% | 97.97% | 135.41% | +3,452 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.50% | 6.64% | 2.43% | 1.60% | 6.67% | +717 bps | |
| Loan Growth (YoY) | 4.68% | -2.26% | -0.26% | 1.53% | -1.99% | -667 bps | |
| Share Growth (YoY) | 0.01% | 4.76% | 2.76% | 2.36% | 8.85% | +884 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.14% | 0.00% | 0.73% | 1.07% | 1.04% | +90 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.16% | 2.29% | 2.28% | 2.15% | 1.24% | -92 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.11% | 7.78% | 7.89% | 8.09% | 5.45% | -266 bps | |
| Net Worth / Assets | 8.11% | 7.78% | 7.89% | 8.09% | 5.45% | -266 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.25% | 58.63% | 60.08% | 64.79% | 57.85% | -640 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |