Jackson, MI · Charter 62310
NCUA · 4 branches
Q1 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2017, the quarter ended March 31, 2017, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Jackson, MI · Charter 62310
NCUA · 4 branches
Q1 2017
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 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.60% | 0.66% | 0.67% | 0.61% | 0.58% | -2 bps | |
| Return on Equity | 6.54% | 7.51% | 7.57% | 6.75% | 6.30% | -24 bps | |
| Net Interest Margin | 3.62% | 3.48% | 3.50% | 3.58% | 3.39% | -24 bps | |
| Efficiency Ratio | 86.31% | 82.22% | 78.51% | 79.36% | 79.65% | -666 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 18.12% | 19.71% | 17.13% | 12.27% | 7.10% | -1,102 bps | |
| Loan Growth (YoY) | 26.60% | 29.76% | 25.93% | 17.88% | 3.87% | -2,274 bps | |
| Share Growth (YoY) | 20.11% | 22.99% | 13.98% | 13.15% | 10.49% | -962 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.28% | 0.39% | 0.26% | 0.33% | 0.58% | +30 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.54% | 0.49% | 0.56% | 0.59% | 0.58% | +4 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.20% | 8.84% | 8.85% | 9.05% | 9.20% | +1 bps | |
| Net Worth / Assets | 9.20% | 8.84% | 8.85% | 9.05% | 9.20% | +1 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 95.09% | 100.25% | 103.46% | 96.96% | 89.39% | -570 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |