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 | |