Wyoming, MI · Charter 62243
NCUA · 6 branches
Q1 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2025, the quarter ended March 31, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in the Grand Rapids-Wyoming-Kentwood, MI area (n=25). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
28
Asset Quality
16
Profitability
27
Liquidity
96
Efficiency
72
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Wyoming, MI · Charter 62243
NCUA · 6 branches
Q1 2025
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 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.21% | 0.96% | 1.15% | 0.12% | 0.27% | 0.35% | 0.38% | -0.74% | -86 bps | |
| Return on Equity | 12.63% | 9.68% | 11.28% | 1.21% | 2.67% | 3.35% | 3.65% | -7.30% | -851 bps | |
| Net Interest Margin | 4.40% | 4.45% | 4.41% | 4.32% | 4.32% | 4.47% | 4.48% | 4.27% | -5 bps | |
| Efficiency Ratio | 74.32% | 76.08% | 73.86% | 86.88% | 86.72% | 85.67% | 85.86% | 73.41% | -1,347 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.65% | -3.06% | -0.52% | 1.19% | 3.07% | 3.17% | 1.77% | -0.15% | -135 bps | |
| Loan Growth (YoY) | 10.54% | 7.08% | 2.25% | 1.54% | 0.44% | -0.90% | 0.01% | -2.91% | -445 bps | |
| Share Growth (YoY) | -3.79% | -5.26% | -2.81% | -0.61% | 3.77% | 1.49% | 1.27% | 0.62% | +123 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.86% | 0.95% | 1.35% | 1.18% | 1.60% | 1.45% | 1.83% | 1.32% | +13 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.62% | 9.96% | 10.22% | 10.01% | 9.98% | 10.34% | 10.42% | 10.18% | +18 bps | |
| Net Worth / Assets | 9.62% | 9.96% | 10.22% | 10.01% | 9.98% | 10.34% | 10.42% | 10.18% | +18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 72.58% | 74.12% | 72.98% | 71.34% | 70.25% | 72.37% | 72.07% | 68.83% | -250 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Wyoming, MI · Charter 62243 · Peer group: credit unions under $1B in assets in the Grand Rapids-Wyoming-Kentwood, MI area (n=25)
NCUA · 6 branches
Q1 2025
Return on Assets
-0.74%
Rank 25 of 25
Net Interest Margin
4.27%
Rank 5 of 25
Efficiency Ratio
73.40%
Rank 8 of 25
Equity / Assets
10.18%
Rank 18 of 25
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.74% | 0.23% | 0.63% | 1.12% | Beats 0% | 25 / 25 | ||
| Return on Equity | -7.29% | 2.46% | 5.54% | 8.34% | Beats 0% | 25 / 25 | ||
| Net Interest Margin | 4.27% | 3.16% | 3.50% | 3.97% | Beats 80% | 5 / 25 | ||
| Efficiency Ratio | 73.40% | 70.41% | 76.97% | 86.47% | Beats 72% | 8 / 25 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.32% | 0.30% | 0.42% | 0.76% | Beats 16% | 22 / 25 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.18% | 9.31% | 11.89% | 16.43% | Beats 28% | 18 / 25 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.18% | 9.32% | 11.89% | 16.43% | Beats 28% | 18 / 25 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 68.83% | 52.03% | 68.20% | 77.77% | 60th pctl | 10 / 25 | ||
| Loans / Assets | 62.71% | 43.92% | 59.13% | 64.60% | 64th pctl | 9 / 25 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||