PackageTrendsPeer
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T&I

Clawson, MI · Charter 61879

NCUA · 2 branches

Q1 2025

$92.8MAssets
$48.9MLoans
$79.1MShares
$13.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -13.09%, down 1,298 bps year over year; NIM at -9.94%.
  • Asset quality: problem loans at 0.20% of loans (-36 bps YoY).
  • Capital: net worth / assets of 14.29%, down 389 bps from a year ago.
  • Funding: loans stand at 61.75% of shares as of Q1 2025.

Financial Results

Return on Assets (quarter, annualized)

-13.09%-1,298 bps YoY

Net Interest Margin (quarter, annualized)

-9.94%-1,271 bps YoY

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

14.29%-389 bps YoY

Discrete quarter, annualized.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025YoY ΔTrend
Earnings
Return on Assets-0.11%0.12%0.25%0.18%-13.09%-1,298 bps
Return on Equity-0.59%0.65%1.33%0.98%-91.57%-9,098 bps
Net Interest Margin2.77%2.86%2.98%2.85%-9.94%-1,271 bps
Efficiency Ratio83.65%84.44%84.33%85.18%n/an/a
Growth
Asset Growth (YoY)-4.70%-3.58%-2.47%3.58%4.47%+917 bps
Loan Growth (YoY)1.86%-1.81%-6.49%-10.01%-10.89%-1,275 bps
Share Growth (YoY)-6.05%-4.36%-3.11%3.85%9.62%+1,567 bps
Asset Quality
Delinquent Loans / Loans0.56%0.31%0.54%0.55%0.20%-36 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital18.18%18.51%18.87%18.01%14.29%-389 bps
Net Worth / Assets18.18%18.51%18.87%18.01%14.29%-389 bps
Liquidity & Funding
Loans / Shares75.96%73.96%73.72%67.71%61.75%-1,421 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps