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Pontiac Telephone Employees

Pontiac, MI · Charter 62170

NCUA · 4 branches

Q4 2019

$96.6MAssets
$62.0MLoans
$84.8MShares
$11.4MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.81%, up 51 bps year over year; NIM at 3.48%.
  • Asset quality: problem loans at 0.04% of loans (-2 bps YoY).
  • Capital: net worth / assets of 11.81%, up 100 bps from a year ago.
  • Funding: loans stand at 73.08% of shares as of Q4 2019.

Financial Results

Return on Assets (quarter, annualized)

0.81%+51 bps YoY

Net Interest Margin (quarter, annualized)

3.48%+16 bps YoY

Efficiency Ratio (quarter, annualized)

83.86%+3 bps YoY

Net Worth / Assets

11.81%+100 bps YoY

Discrete quarter, annualized.

MetricQ4 2018Q1 2019Q2 2019Q3 2019Q4 2019YoY ΔTrend
Earnings
Return on Assets0.31%0.63%0.64%0.72%0.81%+51 bps
Return on Equity2.85%5.86%5.82%6.23%6.88%+404 bps
Net Interest Margin3.32%3.38%3.40%3.49%3.48%+16 bps
Efficiency Ratio83.83%85.29%85.17%83.82%83.86%+3 bps
Growth
Asset Growth (YoY)3.61%2.11%1.15%-0.75%-1.68%-529 bps
Loan Growth (YoY)3.83%0.40%-4.16%-7.90%-10.55%-1,437 bps
Share Growth (YoY)3.78%1.49%-0.03%-1.20%-2.60%-638 bps
Asset Quality
Delinquent Loans / Loans0.05%0.08%0.08%0.03%0.04%-2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.63%0.64%0.61%0.61%0.42%-21 bps
Capital
Risk-Based Capital10.81%10.83%11.04%11.53%11.81%+100 bps
Net Worth / Assets10.81%10.83%11.04%11.53%11.81%+100 bps
Liquidity & Funding
Loans / Shares79.57%76.86%76.33%75.78%73.08%-649 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps