Alpena, MI · Charter 62222
NCUA · 1 branch
Q2 2017
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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.28% | 0.31% | 0.12% | 0.16% | 0.33% | 0.37% | -0.47% | 0.07% | -9 bps | |
| Return on Equity | 2.92% | 3.35% | 1.24% | 1.69% | 3.45% | 3.85% | -5.20% | 0.77% | -92 bps | |
| Net Interest Margin | 2.84% | 2.74% | 2.81% | 2.77% | 2.82% | 2.80% | 2.84% | 2.91% | +14 bps | |
| Efficiency Ratio | 91.31% | 89.54% | 89.07% | 90.13% | 87.36% | 86.91% | 100.52% | 89.37% | -76 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.12% | 5.47% | 3.35% | 4.37% | 4.86% | 1.65% | 4.77% | 3.83% | -54 bps | |
| Loan Growth (YoY) | 14.35% | 8.14% | 11.20% | 16.39% | 8.99% | 12.90% | 18.33% | 21.52% | +513 bps | |
| Share Growth (YoY) | 0.68% | 5.60% | 3.42% | 4.57% | 4.95% | 0.79% | 5.14% | 4.00% | -57 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.16% | 1.49% | 0.85% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.45% | 0.51% | 0.62% | 0.62% | 0.63% | 0.62% | 0.74% | 0.68% | +6 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.62% | 9.31% | 9.32% | 9.24% | 9.53% | 9.52% | 9.10% | 9.21% | -3 bps | |
| Net Worth / Assets | 9.62% | 9.31% | 9.32% | 9.24% | 9.53% | 9.52% | 9.10% | 9.21% | -3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.58% | 57.44% | 59.11% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |