Detroit, MI · Charter 62177
NCUA · 1 branch
Q4 2021
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 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.13% | 1.02% | 0.72% | 0.30% | 0.18% | -7.38% | -8.65% | -8.63% | -893 bps | |
| Return on Equity | 9.00% | 8.20% | 6.22% | 2.69% | 1.38% | -7.38% | -8.65% | -8.63% | -1,132 bps | |
| Net Interest Margin | 3.97% | 3.48% | 3.01% | 2.70% | 2.60% | 15.69% | 10.74% | 8.22% | +552 bps | |
| Efficiency Ratio | 72.95% | 71.59% | 68.13% | 82.10% | 93.16% | 147.02% | 180.45% | 205% | +12,284 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.21% | 2.60% | 9.87% | 12.55% | -2.24% | -88.22% | -89.40% | -89.77% | -10,233 bps | |
| Loan Growth (YoY) | 33.84% | 33.15% | -28.73% | -33.53% | -57.44% | -100.00% | -100.00% | -100.00% | -6,647 bps | |
| Share Growth (YoY) | -2.70% | 1.66% | 10.30% | 14.34% | -2.26% | -100.00% | -100.00% | -100.00% | -11,434 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.20% | 1.33% | 0.00% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.39% | 1.54% | 1.69% | 1.78% | 3.25% | n/a | n/a | n/a | n/a | |
| Capital | ||||||||||
| Risk-Based Capital | 12.52% | 12.40% | 11.52% | 11.11% | 12.91% | 100.00% | 100.00% | 100.00% | +8,889 bps | |
| Net Worth / Assets | 12.52% | 12.40% | 11.52% | 11.11% | 12.91% | 100.00% | 100.00% | 100.00% | +8,889 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 20.87% | 18.23% | 15.20% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |