Livonia, MI · Charter 61985
NCUA · 3 branches
Q4 2023
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 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.70% | 0.76% | 0.91% | 0.90% | 0.10% | 0.53% | 0.72% | -0.15% | -105 bps | |
| Return on Equity | 5.54% | 5.76% | 6.70% | 6.36% | 0.75% | 4.04% | 5.22% | -1.18% | -753 bps | |
| Net Interest Margin | 3.45% | 3.62% | 3.75% | 3.87% | 3.73% | 3.90% | 4.10% | 3.99% | +13 bps | |
| Efficiency Ratio | 78.61% | 78.28% | 76.77% | 77.61% | 87.55% | 81.68% | 79.69% | 94.15% | +1,653 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.73% | -0.15% | -0.07% | -4.19% | 3.99% | 6.54% | 4.09% | 6.71% | +1,090 bps | |
| Loan Growth (YoY) | 16.25% | 14.46% | 13.07% | 10.70% | 7.52% | 6.44% | 6.43% | 5.42% | -528 bps | |
| Share Growth (YoY) | 4.79% | 2.75% | 4.15% | -1.57% | 5.53% | 7.09% | 3.64% | 5.64% | +720 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.28% | 0.98% | 1.55% | 1.42% | 1.24% | 1.10% | 1.02% | 0.74% | -69 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 | 1.94% | 2.00% | 2.01% | 1.96% | 0.00% | 0.00% | 0.00% | 0.00% | -196 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.59% | 13.22% | 13.62% | 14.13% | 12.77% | 13.14% | 13.82% | 13.09% | -104 bps | |
| Net Worth / Assets | 12.59% | 13.22% | 13.62% | 14.13% | 12.77% | 13.14% | 13.82% | 13.09% | -104 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 56.95% | 60.81% | 62.90% | 65.27% | 58.02% | 60.44% | 64.60% | 65.14% | -13 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |