Saginaw, MI · Charter 62282
NCUA · 1 branch
Q2 2023
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.25% | 0.24% | 0.32% | 0.34% | 0.36% | 0.24% | 1.12% | 1.03% | +69 bps | |
| Return on Equity | 2.84% | 2.77% | 3.72% | 3.98% | 4.09% | 2.58% | 11.51% | 10.33% | +636 bps | |
| Net Interest Margin | 2.14% | 2.08% | 2.02% | 2.03% | 2.22% | 2.41% | 3.23% | 3.35% | +132 bps | |
| Efficiency Ratio | 89.11% | 89.49% | 88.41% | 87.73% | 84.71% | 81.37% | 70.72% | 73.29% | -1,444 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.91% | 7.16% | 2.30% | 2.95% | 1.97% | -2.88% | -7.96% | -8.62% | -1,158 bps | |
| Loan Growth (YoY) | 1.28% | -0.20% | -1.41% | 3.30% | 2.25% | -1.41% | -0.05% | -5.84% | -914 bps | |
| Share Growth (YoY) | 9.60% | 7.67% | 2.37% | 3.01% | 1.72% | -3.55% | -9.24% | -10.00% | -1,301 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.28% | 2.14% | 0.71% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.44% | 0.42% | 0.39% | 0.37% | 0.40% | 0.82% | 0.00% | 0.00% | -37 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.70% | 8.70% | 8.52% | 8.60% | 8.86% | 9.19% | 9.69% | 9.98% | +138 bps | |
| Net Worth / Assets | 8.70% | 8.70% | 8.52% | 8.60% | 8.86% | 9.19% | 9.69% | 9.98% | +138 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 34.90% | 35.32% | 33.15% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |