East Pointe, MI · Charter 60124
NCUA · 1 branch
Q2 2024
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 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.29% | 0.26% | 0.14% | -0.38% | -0.63% | -92 bps | |
| Return on Equity | 4.60% | 3.87% | 2.20% | -6.22% | -10.11% | -1,471 bps | |
| Net Interest Margin | 3.09% | 3.30% | 3.28% | 3.47% | 3.70% | +61 bps | |
| Efficiency Ratio | 97.74% | 98.31% | 99.94% | 110.62% | 106.72% | +898 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.61% | -2.37% | 0.48% | 0.30% | -1.96% | -134 bps | |
| Loan Growth (YoY) | 17.35% | 7.05% | 0.18% | -5.14% | -2.31% | -1,966 bps | |
| Share Growth (YoY) | 0.50% | -2.56% | 1.79% | 0.80% | -3.48% | -398 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.03% | 0.17% | 0.21% | 0.15% | 0.38% | +35 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.29% | 6.59% | 6.33% | 6.09% | 6.21% | -9 bps | |
| Net Worth / Assets | 6.29% | 6.59% | 6.33% | 6.09% | 6.21% | -9 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.61% | 61.51% | 60.82% | 57.34% | 61.34% | +73 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |