Saginaw, MI · Charter 60775
NCUA · 1 branch
Q4 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2016, the quarter ended December 31, 2016, 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.
Saginaw, MI · Charter 60775
NCUA · 1 branch
Q4 2016
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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.34% | 0.46% | -0.11% | -0.11% | -3.70% | -2.42% | -2.74% | -10.41% | -1,030 bps | |
| Return on Equity | 3.07% | 4.18% | -1.01% | -1.01% | -38.15% | -25.76% | -28.00% | -358% | -35,656 bps | |
| Net Interest Margin | 2.86% | 2.90% | 2.96% | 2.95% | 2.89% | 2.78% | 3.03% | 3.17% | +22 bps | |
| Efficiency Ratio | 84.32% | 80.03% | 76.01% | 75.08% | 87.06% | 94.91% | 107.86% | 114.95% | +3,987 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.84% | 7.36% | 8.41% | 7.45% | 3.27% | 0.54% | -10.53% | -21.37% | -2,882 bps | |
| Loan Growth (YoY) | 35.38% | 42.10% | 40.21% | 25.36% | 9.98% | -2.63% | -15.74% | -29.03% | -5,439 bps | |
| Share Growth (YoY) | 2.06% | 3.42% | 4.87% | 11.68% | 9.77% | 7.19% | -5.47% | -14.77% | -2,646 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.75% | 2.57% | 4.95% | 4.49% | 10.45% | 12.90% | 15.76% | 7.42% | +293 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 | 0.32% | 0.36% | 1.16% | 1.07% | 2.39% | 1.73% | 2.10% | 4.99% | +392 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.15% | 11.01% | 10.60% | 10.47% | 9.69% | 9.40% | 9.77% | 2.91% | -756 bps | |
| Net Worth / Assets | 11.15% | 11.01% | 10.60% | 10.47% | 9.69% | 9.40% | 9.77% | 2.91% | -756 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 71.83% | 76.28% | 79.33% | 75.17% | 71.96% | 69.29% | 70.71% | 62.59% | -1,258 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |