Portland, MI · Charter 5477
NCUA · 7 branches
Q1 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2018, the quarter ended March 31, 2018, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Portland, MI · Charter 5477
NCUA · 7 branches
Q1 2018
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 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.74% | 0.78% | 0.88% | 0.89% | 0.84% | 0.83% | 0.81% | 0.83% | -5 bps | |
| Return on Equity | 7.37% | 7.68% | 8.63% | 8.96% | 8.40% | 8.23% | 8.01% | 8.14% | -82 bps | |
| Net Interest Margin | 3.69% | 3.72% | 3.67% | 3.63% | 3.72% | 3.67% | 3.67% | 3.80% | +17 bps | |
| Efficiency Ratio | 80.49% | 79.21% | 77.59% | 74.21% | 76.66% | 76.81% | 76.35% | 78.92% | +471 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.59% | 7.66% | 6.17% | 9.72% | 9.86% | 10.59% | 9.37% | 4.96% | -476 bps | |
| Loan Growth (YoY) | 12.82% | 12.63% | 11.08% | 11.50% | 9.60% | 10.24% | 10.64% | 9.17% | -233 bps | |
| Share Growth (YoY) | 6.39% | 7.52% | 5.75% | 9.85% | 9.93% | 8.80% | 7.65% | 4.55% | -529 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.72% | 0.98% | 1.38% | 0.83% | 1.17% | 1.14% | 1.03% | 0.71% | -12 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 | 0.43% | 0.46% | 0.45% | 0.50% | 0.52% | 0.47% | 0.49% | 0.50% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.01% | 10.12% | 10.20% | 9.88% | 10.03% | 10.05% | 10.13% | 10.21% | +33 bps | |
| Net Worth / Assets | 10.01% | 10.12% | 10.20% | 9.88% | 10.03% | 10.05% | 10.13% | 10.21% | +33 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.91% | 87.24% | 86.25% | 82.85% | 85.66% | 88.40% | 88.64% | 86.51% | +366 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |