Chesaning, MI · Charter 62280
NCUA · 2 branches
Q4 2016
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 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.56% | -0.53% | -0.17% | -0.28% | 0.89% | 0.14% | -0.09% | -0.48% | -20 bps | |
| Return on Equity | -5.74% | -5.28% | -1.65% | -2.79% | 8.81% | 1.41% | -0.94% | -4.70% | -191 bps | |
| Net Interest Margin | 1.98% | 2.00% | 2.01% | 2.00% | 1.93% | 1.84% | 1.83% | 1.94% | -5 bps | |
| Efficiency Ratio | 128.54% | 126.03% | 107.23% | 112.61% | 73.86% | 94.60% | 103.95% | 119.80% | +719 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.80% | -6.37% | -6.80% | -5.30% | -1.79% | 2.04% | 1.61% | -7.00% | -170 bps | |
| Loan Growth (YoY) | -12.51% | 10.29% | 30.22% | 23.82% | 21.18% | -10.36% | -23.50% | -31.43% | -5,525 bps | |
| Share Growth (YoY) | -8.44% | -6.79% | -7.24% | -5.60% | -2.09% | 2.20% | 2.03% | -7.15% | -156 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.25% | 0.09% | 0.92% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 2.70% | 2.35% | 0.60% | 0.62% | 0.64% | 0.75% | 0.78% | 0.00% | -62 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.83% | 9.95% | 10.15% | 10.02% | 10.10% | 9.81% | 9.77% | 10.29% | +27 bps | |
| Net Worth / Assets | 9.83% | 9.95% | 10.15% | 10.02% | 10.10% | 9.81% | 9.77% | 10.29% | +27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 12.56% | 14.80% | 16.82% | 16.31% | 15.54% | 12.98% | 12.61% | 12.04% | -426 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |