Dearborn, MI · Charter 61888
NCUA · 2 branches
Q2 2018
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.45% | -1.39% | -1.55% | -1.54% | -1.53% | -1.63% | -2.48% | -12.05% | -1,051 bps | |
| Return on Equity | -5.15% | -4.92% | -5.69% | -5.68% | -5.71% | -5.95% | -9.41% | -42.63% | -3,696 bps | |
| Net Interest Margin | 2.76% | 2.86% | 2.59% | 2.59% | 2.70% | 2.80% | 2.61% | 3.25% | +67 bps | |
| Efficiency Ratio | 147.64% | 144.64% | 153.40% | 153.12% | 151.42% | 152.36% | 192.14% | 404% | +25,137 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.58% | -2.85% | -2.94% | -0.98% | -0.55% | -2.60% | -3.47% | -23.26% | -2,228 bps | |
| Loan Growth (YoY) | 3.30% | 0.67% | -5.46% | -10.21% | -13.41% | -17.30% | -18.21% | -23.60% | -1,339 bps | |
| Share Growth (YoY) | 2.07% | -1.86% | -2.53% | 0.68% | 0.65% | -0.85% | -0.72% | -30.95% | -3,162 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.09% | 0.00% | 0.00% | 0 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 | 0.18% | 0.17% | 0.20% | 0.21% | 0.21% | 0.23% | 0.18% | 1.62% | +141 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 28.06% | 28.19% | 27.15% | 27.10% | 26.79% | 27.32% | 26.31% | 28.26% | +115 bps | |
| Net Worth / Assets | 28.06% | 28.19% | 27.15% | 27.10% | 26.79% | 27.32% | 26.31% | 28.26% | +115 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.74% | 67.30% | 62.52% | 61.66% | 58.27% | 56.13% | 51.50% | 68.22% | +656 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |