Saginaw, MI · Charter 62282
NCUA · 1 branch
Q2 2023
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.34% | 0.36% | 0.24% | 1.12% | 1.03% | +69 bps | |
| Return on Equity | 3.98% | 4.09% | 2.58% | 11.51% | 10.33% | +636 bps | |
| Net Interest Margin | 2.03% | 2.22% | 2.41% | 3.23% | 3.35% | +132 bps | |
| Efficiency Ratio | 87.73% | 84.71% | 81.37% | 70.72% | 73.29% | -1,444 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.95% | 1.97% | -2.88% | -7.96% | -8.62% | -1,158 bps | |
| Loan Growth (YoY) | 3.30% | 2.25% | -1.41% | -0.05% | -5.84% | -914 bps | |
| Share Growth (YoY) | 3.01% | 1.72% | -3.55% | -9.24% | -10.00% | -1,301 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.06% | 0.94% | 0.40% | 0.17% | 0.35% | -72 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.37% | 0.40% | 0.82% | 0.00% | 0.00% | -37 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.60% | 8.86% | 9.19% | 9.69% | 9.98% | +138 bps | |
| Net Worth / Assets | 8.60% | 8.86% | 9.19% | 9.69% | 9.98% | +138 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 34.20% | 35.08% | 36.10% | 36.51% | 35.78% | +158 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |