Wyoming, MI · Charter 62243
NCUA · 6 branches
Q1 2025
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |