Comstock Park, MI · Charter 62086
NCUA · 2 branches
Q4 2017
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.42% | -0.61% | -0.28% | -0.21% | -2.87% | -246 bps | |
| Return on Equity | -6.01% | -9.17% | -4.25% | -3.15% | -67.60% | -6,160 bps | |
| Net Interest Margin | 2.56% | 2.48% | 2.57% | 2.68% | 2.78% | +22 bps | |
| Efficiency Ratio | 109.54% | 117.63% | 107.89% | 105.75% | 169.13% | +5,959 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.06% | 0.49% | 0.96% | 1.43% | -2.55% | -261 bps | |
| Loan Growth (YoY) | 15.39% | 15.46% | 9.12% | 11.44% | 6.19% | -920 bps | |
| Share Growth (YoY) | 0.23% | 1.43% | 2.13% | 2.56% | 0.63% | +40 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.42% | 0.31% | 0.32% | 0.61% | 0.55% | +13 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.54% | 0.43% | 0.42% | 0.39% | 0.61% | +7 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.94% | 6.64% | 6.65% | 6.75% | 4.25% | -269 bps | |
| Net Worth / Assets | 6.94% | 6.64% | 6.65% | 6.75% | 4.25% | -269 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 39.56% | 38.96% | 39.62% | 42.98% | 41.75% | +219 bps | |
| Liquid Assets / Assets | 98.59% | 97.00% | 0.00% | 0.00% | 0.00% | -9,859 bps | |