Southfield, MI · Charter 62236
NCUA · 10 branches
Q4 2018
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 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.15% | 0.18% | 0.35% | 0.38% | 0.56% | 0.50% | 0.52% | 0.38% | 0 bps | |
| Return on Equity | 1.19% | 1.35% | 2.55% | 2.83% | 4.23% | 3.78% | 3.78% | 2.75% | -8 bps | |
| Net Interest Margin | 2.52% | 2.60% | 2.76% | 2.76% | 2.77% | 2.84% | 2.96% | 3.06% | +30 bps | |
| Efficiency Ratio | 92.11% | 91.88% | 88.81% | 88.15% | 84.84% | 85.59% | 85.37% | 88.45% | +31 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.82% | 5.23% | 3.05% | 2.25% | 1.67% | 1.46% | 1.26% | -0.31% | -255 bps | |
| Loan Growth (YoY) | 10.43% | 10.04% | 13.11% | 10.24% | 6.22% | 5.24% | 6.18% | 8.82% | -141 bps | |
| Share Growth (YoY) | 7.68% | 5.64% | 2.73% | 2.15% | 1.31% | 0.96% | 0.71% | -0.96% | -311 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.26% | 0.16% | 0.18% | 0.22% | 0.23% | 0.23% | 0.25% | 0.29% | +7 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 | 0.58% | 0.57% | 0.55% | 0.55% | 0.56% | 0.56% | 0.54% | 0.52% | -2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.95% | 13.13% | 13.56% | 13.42% | 13.21% | 13.31% | 13.73% | 13.82% | +40 bps | |
| Net Worth / Assets | 12.95% | 13.13% | 13.56% | 13.42% | 13.21% | 13.31% | 13.73% | 13.82% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.36% | 74.26% | 78.81% | 78.78% | 75.87% | 77.41% | 83.10% | 86.56% | +778 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |