Fremont, MI · Charter 61877
NCUA · 2 branches
Q4 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2017, the quarter ended December 31, 2017, 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.
Fremont, MI · Charter 61877
NCUA · 2 branches
Q4 2017
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 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.18% | 0.46% | 0.27% | 0.17% | -0.03% | -20 bps | |
| Return on Equity | 2.39% | 6.16% | 3.45% | 2.22% | -0.34% | -274 bps | |
| Net Interest Margin | 2.44% | 2.93% | 2.73% | 2.71% | 2.66% | +23 bps | |
| Efficiency Ratio | 96.13% | 90.06% | 93.23% | 95.17% | 99.85% | +372 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.97% | 7.90% | 11.00% | 6.66% | 5.10% | -86 bps | |
| Loan Growth (YoY) | 4.91% | 8.44% | 9.93% | 10.77% | 6.59% | +168 bps | |
| Share Growth (YoY) | 7.15% | 8.30% | 11.66% | 6.73% | 4.97% | -218 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.75% | 0.53% | 0.63% | 0.48% | 0.67% | -8 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.32% | 0.31% | 0.35% | 0.33% | 0.11% | -21 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.47% | 7.55% | 7.69% | 7.82% | 7.41% | -6 bps | |
| Net Worth / Assets | 7.47% | 7.55% | 7.69% | 7.82% | 7.41% | -6 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 44.42% | 44.60% | 44.73% | 47.15% | 45.10% | +68 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |