Trenton, MI · Charter 61897
NCUA
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 31, 2016, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Trenton, MI · Charter 61897
NCUA
Q1 2016
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.10% | -0.09% | 0.08% | 0.08% | -1.60% | -169 bps | |
| Return on Equity | 1.25% | -1.17% | 0.99% | 0.96% | -21.15% | -2,240 bps | |
| Net Interest Margin | 2.07% | 2.10% | 2.14% | 2.12% | 2.15% | +8 bps | |
| Efficiency Ratio | 95.09% | 91.72% | 90.31% | 90.19% | 146.92% | +5,182 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.87% | -1.18% | 1.75% | 2.44% | -1.14% | +273 bps | |
| Loan Growth (YoY) | -8.96% | -6.97% | -2.52% | -2.49% | -0.70% | +826 bps | |
| Share Growth (YoY) | -4.53% | -1.51% | 1.42% | 2.60% | -0.88% | +366 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.40% | 0.44% | 1.10% | 1.07% | 0.79% | +39 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.81% | 1.04% | 1.00% | 1.18% | 1.05% | +25 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.81% | 7.84% | 8.00% | 7.87% | 7.55% | -26 bps | |
| Net Worth / Assets | 7.81% | 7.84% | 8.00% | 7.87% | 7.55% | -26 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 40.10% | 40.72% | 42.90% | 41.45% | 40.17% | +7 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |