Munising, MI · Charter 62138
NCUA · 2 branches
Q1 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2019, the quarter ended March 31, 2019, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Munising, MI · Charter 62138
NCUA · 2 branches
Q1 2019
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 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.58% | 0.80% | 0.75% | 0.59% | 0.60% | 0.97% | 0.89% | 0.60% | +1 bps | |
| Return on Equity | 7.07% | 9.57% | 8.57% | 6.76% | 6.87% | 10.83% | 10.01% | 6.76% | 0 bps | |
| Net Interest Margin | 3.35% | 3.30% | 3.41% | 3.41% | 3.37% | 3.38% | 3.34% | 3.42% | +1 bps | |
| Efficiency Ratio | 86.25% | 81.33% | 82.74% | 86.77% | 84.85% | 78.00% | 79.63% | 86.50% | -26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.87% | -2.44% | -2.67% | -3.51% | 3.47% | 3.72% | 8.71% | 9.79% | +1,330 bps | |
| Loan Growth (YoY) | 1.54% | 2.43% | 3.25% | -0.08% | 4.99% | 9.67% | 11.63% | 15.11% | +1,518 bps | |
| Share Growth (YoY) | -0.66% | -4.01% | -3.29% | -4.73% | 1.68% | 2.61% | 8.20% | 9.38% | +1,410 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.69% | 0.70% | 0.37% | 0.41% | 0.23% | 0.03% | 0.12% | 0.09% | -32 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 | 0.86% | 0.77% | 0.59% | 0.69% | 0.71% | 0.54% | 0.56% | 0.55% | -14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.27% | 8.40% | 8.70% | 8.73% | 8.73% | 8.95% | 8.89% | 8.83% | +11 bps | |
| Net Worth / Assets | 8.27% | 8.40% | 8.70% | 8.73% | 8.73% | 8.95% | 8.89% | 8.83% | +11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.93% | 70.76% | 73.03% | 69.73% | 73.24% | 75.63% | 75.35% | 73.38% | +365 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |