White Pigeon, MI · Charter 61878
NCUA · 1 branch
Q4 2017
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.79% | 1.32% | -3.74% | -2.70% | -5.24% | -245 bps | |
| Return on Equity | -22.41% | 9.24% | -30.87% | -22.03% | -49.76% | -2,735 bps | |
| Net Interest Margin | 5.43% | 6.47% | 6.13% | 5.91% | 6.70% | +127 bps | |
| Efficiency Ratio | 82.92% | 79.67% | 83.06% | 90.67% | 91.12% | +820 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.75% | -16.49% | -16.26% | -17.39% | -21.06% | -1,832 bps | |
| Loan Growth (YoY) | 0.81% | -0.40% | -15.15% | -2.91% | -21.15% | -2,196 bps | |
| Share Growth (YoY) | 0.03% | -16.28% | -14.52% | -15.86% | -18.49% | -1,852 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 5.46% | 4.68% | 7.57% | 6.85% | 2.43% | -303 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.46% | 14.24% | 12.11% | 12.24% | 10.54% | -192 bps | |
| Net Worth / Assets | 12.46% | 14.24% | 12.11% | 12.24% | 10.54% | -192 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |