White Pigeon, MI · Charter 61878
NCUA · 1 branch
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.
White Pigeon, MI · Charter 61878
NCUA · 1 branch
Q4 2017
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 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.72% | -0.19% | -0.35% | -2.79% | 1.32% | -3.74% | -2.70% | -5.24% | -245 bps | |
| Return on Equity | 5.02% | -1.33% | -2.49% | -22.41% | 9.24% | -30.87% | -22.03% | -49.76% | -2,735 bps | |
| Net Interest Margin | 5.24% | 5.21% | 5.18% | 5.43% | 6.47% | 6.13% | 5.91% | 6.70% | +127 bps | |
| Efficiency Ratio | 86.21% | 83.09% | 83.48% | 82.92% | 79.67% | 83.06% | 90.67% | 91.12% | +820 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.82% | 1.16% | -1.32% | -2.75% | -16.49% | -16.26% | -17.39% | -21.06% | -1,832 bps | |
| Loan Growth (YoY) | 6.96% | 7.45% | 4.03% | 0.81% | -0.40% | -15.15% | -2.91% | -21.15% | -2,196 bps | |
| Share Growth (YoY) | 3.73% | 1.23% | -1.43% | 0.03% | -16.28% | -14.52% | -15.86% | -18.49% | -1,852 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.28% | 5.80% | 9.74% | 13.88% | 12.52% | 18.91% | 16.23% | 6.46% | -742 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.70% | 1.33% | 5.46% | 4.68% | 7.57% | 6.85% | 2.43% | -303 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.40% | 14.24% | 14.16% | 12.46% | 14.24% | 12.11% | 12.24% | 10.54% | -192 bps | |
| Net Worth / Assets | 14.40% | 14.24% | 14.16% | 12.46% | 14.24% | 12.11% | 12.24% | 10.54% | -192 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 68.63% | 73.22% | 71.22% | 76.33% | 81.66% | 72.68% | 82.18% | 73.84% | -249 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |