Battle Creek, MI · Charter 62155
NCUA · 6 branches
Q3 2017
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.57% | 0.41% | 0.86% | 0.90% | 0.64% | +6 bps | |
| Return on Equity | 4.84% | 3.47% | 7.55% | 7.45% | 5.13% | +29 bps | |
| Net Interest Margin | 3.58% | 3.63% | 3.51% | 3.67% | 3.85% | +27 bps | |
| Efficiency Ratio | 86.38% | 87.73% | 81.08% | 80.22% | 83.53% | -285 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.00% | 2.59% | 6.11% | 3.84% | -0.72% | -572 bps | |
| Loan Growth (YoY) | 10.58% | 9.37% | 8.15% | 8.79% | 9.20% | -138 bps | |
| Share Growth (YoY) | 5.81% | 2.21% | 5.92% | 3.07% | -0.66% | -648 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.98% | 0.69% | 0.75% | 0.24% | 0.31% | -67 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.63% | 0.66% | 0.72% | 0.75% | 0.77% | +14 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.89% | 11.95% | 11.45% | 12.01% | 12.43% | +54 bps | |
| Net Worth / Assets | 11.89% | 11.95% | 11.45% | 12.01% | 12.43% | +54 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.01% | 92.78% | 86.96% | 93.01% | 97.85% | +884 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |