East Pointe, MI · Charter 60124
NCUA · 1 branch
Q2 2024
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.51% | 0.21% | -0.13% | 0.29% | 0.26% | 0.14% | -0.38% | -0.63% | -92 bps | |
| Return on Equity | 7.96% | 3.40% | -2.19% | 4.60% | 3.87% | 2.20% | -6.22% | -10.11% | -1,471 bps | |
| Net Interest Margin | 2.85% | 2.92% | 2.95% | 3.09% | 3.30% | 3.28% | 3.47% | 3.70% | +61 bps | |
| Efficiency Ratio | 95.89% | 99.76% | 103.29% | 97.74% | 98.31% | 99.94% | 110.62% | 106.72% | +898 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.31% | -4.79% | -2.66% | -0.61% | -2.37% | 0.48% | 0.30% | -1.96% | -134 bps | |
| Loan Growth (YoY) | 14.20% | 16.77% | 21.88% | 17.35% | 7.05% | 0.18% | -5.14% | -2.31% | -1,966 bps | |
| Share Growth (YoY) | -1.66% | -5.02% | -0.91% | 0.50% | -2.56% | 1.79% | 0.80% | -3.48% | -398 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.93% | 1.04% | 0.00% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.33% | 0.16% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.42% | 6.31% | 6.12% | 6.29% | 6.59% | 6.33% | 6.09% | 6.21% | -9 bps | |
| Net Worth / Assets | 6.42% | 6.31% | 6.12% | 6.29% | 6.59% | 6.33% | 6.09% | 6.21% | -9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 55.98% | 61.80% | 60.93% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |