Detroit, MI · Charter 62177
NCUA · 1 branch
Q4 2021
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.30% | 0.18% | -7.38% | -8.65% | -8.63% | -893 bps | |
| Return on Equity | 2.69% | 1.38% | -7.38% | -8.65% | -8.63% | -1,132 bps | |
| Net Interest Margin | 2.70% | 2.60% | 15.69% | 10.74% | 8.22% | +552 bps | |
| Efficiency Ratio | 82.10% | 93.16% | 147.02% | 180.45% | 205% | +12,284 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.55% | -2.24% | -88.22% | -89.40% | -89.77% | -10,233 bps | |
| Loan Growth (YoY) | -33.53% | -57.44% | -100.00% | -100.00% | -100.00% | -6,647 bps | |
| Share Growth (YoY) | 14.34% | -2.26% | -100.00% | -100.00% | -100.00% | -11,434 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | n/a | n/a | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.78% | 3.25% | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Risk-Based Capital | 11.11% | 12.91% | 100.00% | 100.00% | 100.00% | +8,889 bps | |
| Net Worth / Assets | 11.11% | 12.91% | 100.00% | 100.00% | 100.00% | +8,889 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 14.04% | 9.09% | n/a | n/a | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |