Alpena, MI · Charter 62222
NCUA · 1 branch
Q2 2017
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 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.16% | 0.33% | 0.37% | -0.47% | 0.07% | -9 bps | |
| Return on Equity | 1.69% | 3.45% | 3.85% | -5.20% | 0.77% | -92 bps | |
| Net Interest Margin | 2.77% | 2.82% | 2.80% | 2.84% | 2.91% | +14 bps | |
| Efficiency Ratio | 90.13% | 87.36% | 86.91% | 100.52% | 89.37% | -76 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.37% | 4.86% | 1.65% | 4.77% | 3.83% | -54 bps | |
| Loan Growth (YoY) | 16.39% | 8.99% | 12.90% | 18.33% | 21.52% | +513 bps | |
| Share Growth (YoY) | 4.57% | 4.95% | 0.79% | 5.14% | 4.00% | -57 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.24% | 0.89% | 0.74% | 0.35% | 0.64% | +40 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.62% | 0.63% | 0.62% | 0.74% | 0.68% | +6 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.24% | 9.53% | 9.52% | 9.10% | 9.21% | -3 bps | |
| Net Worth / Assets | 9.24% | 9.53% | 9.52% | 9.10% | 9.21% | -3 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.79% | 62.91% | 64.34% | 66.52% | 71.03% | +1,024 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |