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Gr Building Trades

Comstock Park, MI · Charter 62086

NCUA · 2 branches

Q4 2017

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2017, the quarter ended December 31, 2017, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Gr Building Trades

Comstock Park, MI · Charter 62086

NCUA · 2 branches

Q4 2017

$17.8MAssets
$7.1MLoans
$17.1MShares
$759KNet Worth

Executive Summary

  • Earnings: ROA of -2.87%, down 246 bps year over year; NIM at 2.78%.
  • Asset quality: problem loans at 0.55% of loans (+13 bps YoY).
  • Capital: net worth / assets of 4.25%, down 269 bps from a year ago.
  • Funding: loans stand at 41.75% of shares as of Q4 2017.

Return on Assets (YTD, annualized)

-2.87%-246 bps YoY

Net Interest Margin (YTD, annualized)

2.78%+22 bps YoY

Efficiency Ratio (YTD, annualized)

169.13%+5,959 bps YoY

Net Worth / Assets

4.25%-269 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2016Q2 2016Q3 2016Q4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets-0.35%-0.44%-0.43%-0.42%-0.61%-0.28%-0.21%-2.87%-246 bps
Return on Equity-4.96%-6.17%-6.10%-6.01%-9.17%-4.25%-3.15%-67.60%-6,160 bps
Net Interest Margin2.43%2.51%2.58%2.56%2.48%2.57%2.68%2.78%+22 bps
Efficiency Ratio110.24%111.14%109.28%109.54%117.63%107.89%105.75%169.13%+5,959 bps
Growth
Asset Growth (YoY)4.01%3.24%1.81%0.06%0.49%0.96%1.43%-2.55%-261 bps
Loan Growth (YoY)10.57%14.30%13.95%15.39%15.46%9.12%11.44%6.19%-920 bps
Share Growth (YoY)4.80%3.24%2.06%0.23%1.43%2.13%2.56%0.63%+40 bps
Asset Quality
Delinquent Loans / Loans0.50%0.56%0.40%0.42%0.31%0.32%0.61%0.55%+13 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.50%0.53%0.51%0.54%0.43%0.42%0.39%0.61%+7 bps
Capital
Risk-Based Capital7.15%7.05%7.10%6.94%6.64%6.65%6.75%4.25%-269 bps
Net Worth / Assets7.15%7.05%7.10%6.94%6.64%6.65%6.75%4.25%-269 bps
Liquidity & Funding
Loans / Shares34.23%37.08%39.55%39.56%38.96%39.62%42.98%41.75%+219 bps
Liquid Assets / Assets0.00%0.00%0.00%98.59%97.00%0.00%0.00%0.00%-9,859 bps