Wyoming, MI · Charter 6164
NCUA · 2 branches
Q4 2022
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2022, the quarter ended December 31, 2022, 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.
Wyoming, MI · Charter 6164
NCUA · 2 branches
Q4 2022
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 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.21% | 0.73% | 0.62% | 0.78% | 0.44% | +23 bps | |
| Return on Equity | 1.57% | 5.54% | 4.69% | 5.65% | 3.12% | +155 bps | |
| Net Interest Margin | 3.08% | 2.63% | 2.67% | 2.88% | 3.05% | -4 bps | |
| Efficiency Ratio | 91.64% | 82.13% | 81.53% | 78.51% | 78.89% | -1,275 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.07% | 2.46% | 4.14% | 3.18% | -1.54% | -761 bps | |
| Loan Growth (YoY) | 7.68% | 7.99% | 8.10% | 7.05% | 8.80% | +112 bps | |
| Share Growth (YoY) | 6.03% | 1.60% | 3.07% | 1.78% | -2.06% | -809 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.65% | 0.87% | 0.90% | 0.88% | 0.74% | +9 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.86% | 0.74% | 0.69% | 0.66% | 0.00% | -86 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.36% | 13.22% | 13.27% | 13.78% | 14.01% | +65 bps | |
| Net Worth / Assets | 13.36% | 13.22% | 13.27% | 13.78% | 14.01% | +65 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 58.29% | 57.41% | 59.38% | 61.54% | 64.75% | +646 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |