Grand Rapids, MI · Charter 62096
NCUA · 3 branches
Q2 2017
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.42% | 0.52% | 0.19% | 0.37% | 0.43% | 0.42% | 0.12% | -0.31% | -69 bps | |
| Return on Equity | 3.80% | 4.63% | 1.77% | 3.33% | 3.84% | 3.77% | 1.19% | -3.06% | -639 bps | |
| Net Interest Margin | 3.69% | 3.80% | 3.70% | 3.78% | 3.75% | 3.72% | 3.44% | 3.54% | -23 bps | |
| Efficiency Ratio | 91.63% | 90.06% | 96.25% | 92.23% | 91.41% | 89.45% | 92.19% | 95.67% | +343 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 11.83% | 6.88% | 4.10% | 3.71% | 3.17% | 5.43% | 11.30% | 9.13% | +543 bps | |
| Loan Growth (YoY) | 23.35% | 14.04% | 10.63% | 3.29% | 0.45% | 2.38% | 3.99% | 4.58% | +129 bps | |
| Share Growth (YoY) | 12.23% | 9.90% | 3.43% | 4.42% | 3.98% | 4.74% | 12.29% | 10.04% | +561 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.71% | 0.75% | 0.64% | 0.86% | 0.53% | 0.57% | 0.59% | 0.75% | -12 bps | |
| Net Charge-Offs / Loans | n/a | n/a | 0.82% | 0.80% | 0.74% | 0.69% | 0.60% | 0.58% | -22 bps | |
| Allowance / Loans | 0.68% | 0.65% | 0.61% | 0.58% | 0.54% | 0.66% | 0.68% | 0.98% | +40 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.98% | 11.22% | 10.96% | 11.13% | 11.16% | 11.05% | 10.22% | 10.28% | -85 bps | |
| Net Worth / Assets | 10.98% | 11.22% | 10.96% | 11.13% | 11.16% | 11.05% | 10.22% | 10.28% | -85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.48% | 81.51% | 78.86% | 80.37% | 79.68% | 79.68% | 73.04% | 76.38% | -399 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |