Pontiac, MI · Charter 61629
NCUA
Q1 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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.11% | -0.14% | -0.14% | -0.28% | -0.38% | -26 bps | |
| Return on Equity | -0.54% | -0.67% | -0.66% | -1.34% | -1.78% | -124 bps | |
| Net Interest Margin | 1.85% | 1.84% | 1.89% | 1.88% | 1.93% | +7 bps | |
| Efficiency Ratio | 111.01% | 108.86% | 106.82% | 110.22% | 112.35% | +134 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.95% | 1.56% | -1.87% | -3.29% | -4.66% | -371 bps | |
| Loan Growth (YoY) | -0.31% | -9.99% | -17.57% | -13.32% | -7.18% | -686 bps | |
| Share Growth (YoY) | 0.36% | 2.07% | -1.01% | -2.93% | -5.45% | -582 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.77% | 0.78% | 0.82% | 1.03% | 1.07% | +30 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.57% | 0.63% | 0.66% | 0.67% | 0.73% | +15 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.48% | 20.75% | 21.22% | 21.16% | 21.13% | +65 bps | |
| Net Worth / Assets | 20.48% | 20.75% | 21.22% | 21.16% | 21.13% | +65 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 18.02% | 17.80% | 17.86% | 18.70% | 17.70% | -33 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |