Clawson, MI · Charter 61879
NCUA · 2 branches
Q1 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2025, the quarter ended March 31, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (n=43). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
65
Asset Quality
86
Profitability
0
Liquidity
82
Efficiency
19
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Clawson, MI · Charter 61879
NCUA · 2 branches
Q1 2025
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 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.36% | 0.09% | 0.06% | -0.11% | 0.12% | 0.25% | 0.18% | -13.09% | -1,298 bps | |
| Return on Equity | 1.98% | 0.50% | 0.30% | -0.59% | 0.65% | 1.33% | 0.98% | -91.57% | -9,098 bps | |
| Net Interest Margin | 2.58% | 2.65% | 2.63% | 2.77% | 2.86% | 2.98% | 2.85% | -9.94% | -1,271 bps | |
| Efficiency Ratio | 86.24% | 88.63% | 91.22% | 83.65% | 84.44% | 84.33% | 85.18% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.44% | -6.37% | -6.63% | -4.70% | -3.58% | -2.47% | 3.58% | 4.47% | +917 bps | |
| Loan Growth (YoY) | 7.70% | 7.78% | 4.48% | 1.86% | -1.81% | -6.49% | -10.01% | -10.89% | -1,275 bps | |
| Share Growth (YoY) | -7.09% | -8.35% | -8.41% | -6.05% | -4.36% | -3.11% | 3.85% | 9.62% | +1,567 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.73% | 0.55% | 0.75% | 0.56% | 0.31% | 0.54% | 0.55% | 0.20% | -36 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% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.95% | 18.27% | 18.51% | 18.18% | 18.51% | 18.87% | 18.01% | 14.29% | -389 bps | |
| Net Worth / Assets | 17.95% | 18.27% | 18.51% | 18.18% | 18.51% | 18.87% | 18.01% | 14.29% | -389 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.03% | 76.39% | 78.14% | 75.96% | 73.96% | 73.72% | 67.71% | 61.75% | -1,421 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Clawson, MI · Charter 61879 · Peer group: credit unions under $1B in assets in the Detroit-Warren-Dearborn, MI area (n=43)
NCUA · 2 branches
Q1 2025
Return on Assets
-13.08%
Rank 43 of 43
Net Interest Margin
-9.94%
Rank 43 of 43
Equity / Assets
14.29%
Rank 15 of 43
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -13.08% | 0.21% | 0.69% | 0.97% | Beats 0% | 43 / 43 | ||
| Return on Equity | -91.56% | 1.70% | 5.53% | 8.60% | Beats 0% | 43 / 43 | ||
| Net Interest Margin | -9.94% | 2.98% | 3.51% | 3.94% | Beats 0% | 43 / 43 | ||
| Efficiency Ratio | n/a | Not reported for this institution | ||||||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.20% | 0.38% | 0.72% | 1.37% | Beats 86% | 7 / 43 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.29% | 10.21% | 12.32% | 14.76% | Beats 65% | 15 / 43 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.29% | 10.21% | 12.32% | 14.76% | Beats 65% | 15 / 43 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 61.75% | 38.22% | 56.81% | 72.29% | 58th pctl | 18 / 43 | ||
| Loans / Assets | 52.64% | 33.57% | 49.76% | 64.54% | 53rd pctl | 20 / 43 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||