Saginaw, MI · Charter 60775
NCUA · 1 branch
Q4 2016
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 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.11% | -3.70% | -2.42% | -2.74% | -10.41% | -1,030 bps | |
| Return on Equity | -1.01% | -38.15% | -25.76% | -28.00% | -358% | -35,656 bps | |
| Net Interest Margin | 2.95% | 2.89% | 2.78% | 3.03% | 3.17% | +22 bps | |
| Efficiency Ratio | 75.08% | 87.06% | 94.91% | 107.86% | 114.95% | +3,987 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.45% | 3.27% | 0.54% | -10.53% | -21.37% | -2,882 bps | |
| Loan Growth (YoY) | 25.36% | 9.98% | -2.63% | -15.74% | -29.03% | -5,439 bps | |
| Share Growth (YoY) | 11.68% | 9.77% | 7.19% | -5.47% | -14.77% | -2,646 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 1.07% | 2.39% | 1.73% | 2.10% | 4.99% | +392 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.47% | 9.69% | 9.40% | 9.77% | 2.91% | -756 bps | |
| Net Worth / Assets | 10.47% | 9.69% | 9.40% | 9.77% | 2.91% | -756 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |