Bay City, MI · Charter 61296
NCUA · 3 branches
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 | 0.10% | -0.22% | 0.47% | 0.56% | 0.68% | +58 bps | |
| Return on Equity | 0.95% | -2.08% | 4.47% | 5.29% | 6.18% | +523 bps | |
| Net Interest Margin | 3.38% | 3.24% | 3.22% | 3.17% | 3.28% | -11 bps | |
| Efficiency Ratio | 90.79% | 97.60% | 87.82% | 88.65% | 86.36% | -443 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.19% | 3.52% | 5.56% | 8.23% | 3.88% | +168 bps | |
| Loan Growth (YoY) | 4.07% | 6.05% | 10.21% | 4.79% | -2.76% | -683 bps | |
| Share Growth (YoY) | 2.85% | 4.02% | 5.76% | 8.24% | 3.18% | +33 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.86% | 3.34% | 3.23% | 5.68% | 4.75% | -111 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.56% | 1.75% | 1.60% | 1.48% | 1.43% | -13 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.76% | 10.50% | 10.54% | 10.60% | 11.04% | +28 bps | |
| Net Worth / Assets | 10.76% | 10.50% | 10.54% | 10.60% | 11.04% | +28 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.17% | 57.66% | 59.43% | 56.99% | 55.77% | -341 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |