Kalamazoo, MI · Charter 62129
NCUA · 1 branch
Q1 2018
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 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.14% | -0.14% | -0.10% | -0.89% | -0.51% | -0.54% | -0.46% | -11.15% | -1,025 bps | |
| Return on Equity | -1.66% | -1.59% | -1.18% | -10.53% | -6.23% | -6.56% | -5.74% | -203% | -19,264 bps | |
| Net Interest Margin | 2.27% | 2.32% | 2.29% | 2.24% | 2.27% | 2.34% | 2.35% | 2.51% | +27 bps | |
| Efficiency Ratio | 104.41% | 104.17% | 102.36% | 118.40% | 110.93% | 110.56% | 107.31% | 419% | +30,087 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.92% | 6.68% | 5.40% | 2.82% | 2.02% | 1.77% | 1.09% | -0.39% | -321 bps | |
| Loan Growth (YoY) | 3.75% | 3.31% | 5.67% | -0.03% | -7.72% | -12.04% | -11.94% | -5.61% | -558 bps | |
| Share Growth (YoY) | 8.99% | 7.61% | 6.06% | 3.50% | 2.59% | 2.17% | 1.25% | 0.06% | -344 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.07% | 1.53% | 2.94% | 2.95% | 1.60% | 3.90% | 5.71% | 4.13% | +118 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 | 1.55% | 1.40% | 1.34% | 1.75% | 1.90% | 2.04% | 2.18% | 1.79% | +3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.64% | 8.83% | 8.66% | 8.49% | 8.19% | 8.27% | 8.10% | 5.49% | -300 bps | |
| Net Worth / Assets | 8.64% | 8.83% | 8.66% | 8.49% | 8.19% | 8.27% | 8.10% | 5.49% | -300 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 27.50% | 29.73% | 29.59% | 27.39% | 24.74% | 25.60% | 25.73% | 25.84% | -155 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |