PackageTrendsPeer
Letter portraitLegal landscape

Christopher

Chesaning, MI · Charter 62280

NCUA · 2 branches

Q4 2016

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2016, the quarter ended December 31, 2016, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Christopher

Chesaning, MI · Charter 62280

NCUA · 2 branches

Q4 2016

$2.1MAssets
$222KLoans
$1.8MShares
$212KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.48%, down 20 bps year over year; NIM at 1.94%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 10.29%, up 27 bps from a year ago.
  • Funding: loans stand at 12.04% of shares as of Q4 2016.

Financial Results

Return on Assets (YTD, annualized)

-0.48%-20 bps YoY

Net Interest Margin (YTD, annualized)

1.94%-5 bps YoY

Efficiency Ratio (YTD, annualized)

119.80%+719 bps YoY

Net Worth / Assets

10.29%+27 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2015Q1 2016Q2 2016Q3 2016Q4 2016YoY ΔTrend
Earnings
Return on Assets-0.28%0.89%0.14%-0.09%-0.48%-20 bps
Return on Equity-2.79%8.81%1.41%-0.94%-4.70%-191 bps
Net Interest Margin2.00%1.93%1.84%1.83%1.94%-5 bps
Efficiency Ratio112.61%73.86%94.60%103.95%119.80%+719 bps
Growth
Asset Growth (YoY)-5.30%-1.79%2.04%1.61%-7.00%-170 bps
Loan Growth (YoY)23.82%21.18%-10.36%-23.50%-31.43%-5,525 bps
Share Growth (YoY)-5.60%-2.09%2.20%2.03%-7.15%-156 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.62%0.64%0.75%0.78%0.00%-62 bps
Capital
Risk-Based Capital10.02%10.10%9.81%9.77%10.29%+27 bps
Net Worth / Assets10.02%10.10%9.81%9.77%10.29%+27 bps
Liquidity & Funding
Loans / Shares16.31%15.54%12.98%12.61%12.04%-426 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps