Monroe, MI · Charter 62008
NCUA · 2 branches
Q1 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2018, the quarter ended March 31, 2018, 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.
Monroe, MI · Charter 62008
NCUA · 2 branches
Q1 2018
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 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.46% | 1.35% | 1.41% | 1.48% | 1.13% | -34 bps | |
| Return on Equity | 9.61% | 8.69% | 8.91% | 9.18% | 7.15% | -246 bps | |
| Net Interest Margin | 3.12% | 3.17% | 3.23% | 3.25% | 3.27% | +15 bps | |
| Efficiency Ratio | 61.56% | 60.21% | 59.43% | 58.98% | 57.89% | -367 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 8.43% | 6.90% | 5.53% | 5.50% | 5.90% | -253 bps | |
| Loan Growth (YoY) | 11.72% | 10.20% | 8.34% | 8.12% | 8.43% | -329 bps | |
| Share Growth (YoY) | 7.70% | 6.21% | 4.62% | 4.68% | 5.08% | -262 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.52% | 1.31% | 1.68% | 1.76% | 1.29% | -23 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.58% | 0.59% | 0.60% | 0.59% | 0.68% | +10 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.24% | 15.50% | 15.82% | 16.13% | 15.75% | +51 bps | |
| Net Worth / Assets | 15.24% | 15.50% | 15.82% | 16.13% | 15.75% | +51 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.54% | 67.84% | 69.62% | 71.30% | 68.66% | +212 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |