Lansing, MI · Charter 60920
NCUA · 5 branches
Q4 2024
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.19% | 0.25% | 0.03% | 0.01% | -0.54% | -0.35% | -0.40% | -0.59% | -60 bps | |
| Return on Equity | 2.15% | 2.85% | 0.33% | 0.16% | -6.25% | -3.90% | -4.48% | -6.75% | -692 bps | |
| Net Interest Margin | 2.69% | 2.71% | 2.80% | 2.86% | 3.06% | 3.21% | 3.25% | 3.31% | +44 bps | |
| Efficiency Ratio | 92.12% | 92.24% | 94.84% | 94.86% | 104.05% | 99.48% | 99.09% | 99.89% | +503 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.29% | 8.64% | 6.06% | 2.89% | -1.90% | -6.61% | -5.04% | -5.56% | -845 bps | |
| Loan Growth (YoY) | 11.34% | 11.36% | 7.99% | 4.74% | 0.11% | -0.40% | -4.05% | -6.28% | -1,102 bps | |
| Share Growth (YoY) | 6.39% | 8.61% | 5.58% | 1.22% | -1.55% | -4.95% | -6.53% | -3.84% | -506 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.48% | 0.47% | 0.41% | 0.78% | 0.57% | 0.92% | 1.12% | 1.13% | +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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.67% | 8.65% | 8.70% | 8.75% | 8.67% | 8.97% | 8.85% | 8.68% | -7 bps | |
| Net Worth / Assets | 8.67% | 8.65% | 8.70% | 8.75% | 8.67% | 8.97% | 8.85% | 8.68% | -7 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.01% | 63.50% | 65.31% | 67.14% | 64.07% | 66.55% | 67.05% | 65.44% | -170 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |