Owosso, MI · Charter 61583
NCUA · 6 branches
Q2 2018
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 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.56% | 0.66% | 0.44% | 0.52% | 0.69% | 0.69% | 1.03% | 0.32% | -20 bps | |
| Return on Equity | 4.97% | 5.89% | 4.05% | 4.73% | 6.06% | 6.01% | 9.16% | 2.84% | -189 bps | |
| Net Interest Margin | 2.52% | 2.52% | 2.60% | 2.68% | 2.80% | 2.83% | 2.96% | 2.98% | +30 bps | |
| Efficiency Ratio | 81.12% | 78.98% | 82.13% | 81.02% | 78.66% | 77.32% | 72.86% | 87.48% | +646 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.17% | 6.25% | 8.18% | 7.92% | 6.06% | 4.76% | 4.17% | 3.65% | -427 bps | |
| Loan Growth (YoY) | 6.81% | 6.90% | 5.67% | 5.85% | 6.15% | 4.71% | 2.00% | -1.12% | -697 bps | |
| Share Growth (YoY) | 8.39% | 5.98% | 8.49% | 8.16% | 5.62% | 4.45% | 3.71% | 3.71% | -445 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.27% | 0.55% | 0.49% | 0.43% | 0.60% | 0.77% | 0.42% | 0.59% | +16 bps | |
| Net Charge-Offs / Loans | 0.69% | 0.65% | 0.59% | 0.56% | 0.55% | 0.52% | 0.46% | 0.44% | -12 bps | |
| Allowance / Loans | 0.95% | 0.94% | 0.96% | 0.98% | 0.98% | 1.00% | 0.88% | 0.84% | -14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.20% | 11.25% | 10.84% | 10.94% | 11.32% | 11.43% | 11.22% | 11.12% | +18 bps | |
| Net Worth / Assets | 11.20% | 11.25% | 10.84% | 10.94% | 11.32% | 11.43% | 11.22% | 11.12% | +18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.09% | 43.92% | 42.02% | 42.65% | 44.31% | 44.03% | 41.33% | 40.67% | -199 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |