Clarkston, MI · Charter 61293
Q4 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2015, the quarter ended December 31, 2015, 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.
Clarkston, MI · Charter 61293
Q4 2015
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 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.49% | 0.33% | 0.45% | 0.47% | 0.39% | -11 bps | |
| Return on Equity | 5.27% | 3.80% | 5.13% | 5.52% | 4.47% | -80 bps | |
| Net Interest Margin | 2.46% | 2.34% | 2.33% | 2.32% | 2.12% | -34 bps | |
| Efficiency Ratio | 85.74% | 90.62% | 87.64% | 85.63% | 86.57% | +83 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.38% | 5.47% | 7.63% | 12.48% | 13.04% | +966 bps | |
| Loan Growth (YoY) | 5.90% | 11.70% | 12.71% | 8.88% | 7.23% | +133 bps | |
| Share Growth (YoY) | 2.86% | 5.45% | 8.13% | 10.10% | 14.40% | +1,155 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.29% | 0.29% | 0.36% | 0.31% | 0.12% | -17 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.59% | 0.61% | 0.58% | 0.49% | 0.45% | -14 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.33% | 8.81% | 8.71% | 8.58% | 8.64% | -69 bps | |
| Net Worth / Assets | 9.33% | 8.81% | 8.71% | 8.58% | 8.64% | -69 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 43.96% | 42.43% | 41.62% | 42.66% | 41.21% | -276 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |