Battle Creek, MI · Charter 62155
NCUA · 6 branches
Q3 2017
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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.54% | 0.31% | 0.48% | 0.57% | 0.41% | 0.86% | 0.90% | 0.64% | +6 bps | |
| Return on Equity | 4.59% | 2.69% | 4.09% | 4.84% | 3.47% | 7.55% | 7.45% | 5.13% | +29 bps | |
| Net Interest Margin | 3.48% | 3.55% | 3.58% | 3.58% | 3.63% | 3.51% | 3.67% | 3.85% | +27 bps | |
| Efficiency Ratio | 87.25% | 91.53% | 88.60% | 86.38% | 87.73% | 81.08% | 80.22% | 83.53% | -285 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.46% | 0.10% | 1.14% | 5.00% | 2.59% | 6.11% | 3.84% | -0.72% | -572 bps | |
| Loan Growth (YoY) | 14.16% | 15.11% | 12.63% | 10.58% | 9.37% | 8.15% | 8.79% | 9.20% | -138 bps | |
| Share Growth (YoY) | -2.62% | -0.92% | 0.07% | 5.81% | 2.21% | 5.92% | 3.07% | -0.66% | -648 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.61% | 0.60% | 1.38% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.56% | 0.54% | 0.58% | 0.63% | 0.66% | 0.72% | 0.75% | 0.77% | +14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.84% | 11.59% | 11.84% | 11.89% | 11.95% | 11.45% | 12.01% | 12.43% | +54 bps | |
| Net Worth / Assets | 11.84% | 11.59% | 11.84% | 11.89% | 11.95% | 11.45% | 12.01% | 12.43% | +54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.71% | 85.17% | 88.12% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |