Pontiac, MI · Charter 62170
NCUA · 4 branches
Q4 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 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.04% | 0.10% | 0.32% | 0.31% | 0.63% | 0.64% | 0.72% | 0.81% | +51 bps | |
| Return on Equity | -0.42% | 0.90% | 2.93% | 2.85% | 5.86% | 5.82% | 6.23% | 6.88% | +404 bps | |
| Net Interest Margin | 3.19% | 3.24% | 3.31% | 3.32% | 3.38% | 3.40% | 3.49% | 3.48% | +16 bps | |
| Efficiency Ratio | 90.19% | 87.32% | 84.61% | 83.83% | 85.29% | 85.17% | 83.82% | 83.86% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.40% | 1.22% | 1.67% | 3.61% | 2.11% | 1.15% | -0.75% | -1.68% | -529 bps | |
| Loan Growth (YoY) | 10.89% | 8.85% | 6.87% | 3.83% | 0.40% | -4.16% | -7.90% | -10.55% | -1,437 bps | |
| Share Growth (YoY) | 4.91% | 1.59% | 1.23% | 3.78% | 1.49% | -0.03% | -1.20% | -2.60% | -638 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.61% | 0.38% | 0.36% | 0.05% | 0.08% | 0.08% | 0.03% | 0.04% | -2 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 | 0.63% | 0.54% | 0.56% | 0.63% | 0.64% | 0.61% | 0.61% | 0.42% | -21 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.57% | 10.58% | 10.83% | 10.81% | 10.83% | 11.04% | 11.53% | 11.81% | +100 bps | |
| Net Worth / Assets | 10.57% | 10.58% | 10.83% | 10.81% | 10.83% | 11.04% | 11.53% | 11.81% | +100 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 77.69% | 79.62% | 81.29% | 79.57% | 76.86% | 76.33% | 75.78% | 73.08% | -649 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |