Niles, MI · Charter 62044
NCUA · 1 branch
Q4 2021
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.44% | -0.58% | -0.88% | -0.75% | -0.53% | -0.79% | -0.51% | -0.57% | +18 bps | |
| Return on Equity | -5.01% | -7.84% | -12.48% | -11.39% | -9.76% | -15.16% | -10.20% | -11.41% | -2 bps | |
| Net Interest Margin | 3.62% | 3.11% | 3.13% | 3.01% | 2.44% | 2.50% | 2.39% | 2.45% | -56 bps | |
| Efficiency Ratio | 106.99% | 105.24% | 105.63% | 104.13% | 108.01% | 116.75% | 110.91% | 111.88% | +775 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.26% | 18.30% | 27.43% | 23.72% | 42.38% | 23.19% | 27.77% | 18.13% | -559 bps | |
| Loan Growth (YoY) | -10.18% | -7.12% | -0.57% | 3.74% | 16.76% | 10.15% | 2.54% | -0.90% | -464 bps | |
| Share Growth (YoY) | 4.71% | 21.95% | 32.86% | 26.87% | 45.45% | 25.36% | 30.20% | 20.44% | -643 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.67% | 0.90% | 0.98% | 0.35% | 0.14% | 0.13% | 0.08% | 0.11% | -25 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 | 0.93% | 1.05% | 1.51% | 0.99% | 1.01% | 1.06% | 1.07% | 1.15% | +16 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.75% | 7.43% | 7.03% | 6.63% | 5.45% | 5.23% | 5.02% | 5.03% | -159 bps | |
| Net Worth / Assets | 8.75% | 7.43% | 7.03% | 6.63% | 5.45% | 5.23% | 5.02% | 5.03% | -159 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 65.70% | 57.67% | 60.00% | 56.92% | 52.74% | 50.67% | 47.25% | 46.83% | -1,008 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |