Lansing, MI · Charter 62311
NCUA · 1 branch
Q1 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2018, the quarter ended March 31, 2018, 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.
Lansing, MI · Charter 62311
NCUA · 1 branch
Q1 2018
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 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.14% | 0.15% | 0.15% | -0.09% | -0.03% | 0.04% | 0.07% | -8.92% | -883 bps | |
| Return on Equity | 1.13% | 1.23% | 1.23% | -0.75% | -0.27% | 0.30% | 0.54% | -83.74% | -8,298 bps | |
| Net Interest Margin | 3.15% | 3.15% | 3.20% | 3.02% | 2.96% | 3.15% | 3.16% | 3.08% | +6 bps | |
| Efficiency Ratio | 96.30% | 95.47% | 94.25% | 102.28% | 100.69% | 98.10% | 95.58% | 315% | +21,280 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.35% | 0.73% | -2.95% | -0.58% | 1.52% | -3.37% | -1.98% | -5.45% | -487 bps | |
| Loan Growth (YoY) | -0.47% | 0.29% | 0.47% | -1.85% | -4.41% | -6.99% | -8.94% | -9.29% | -744 bps | |
| Share Growth (YoY) | -0.63% | 0.65% | -4.06% | -0.40% | 1.66% | -3.87% | -1.65% | -5.56% | -516 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.32% | 0.93% | 0.79% | 1.05% | 1.61% | 1.93% | 0.85% | 2.31% | +126 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 | 1.03% | 1.01% | 1.07% | 1.07% | 1.02% | 1.04% | 0.98% | 0.94% | -13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.14% | 12.12% | 12.38% | 12.10% | 12.02% | 12.61% | 12.70% | 10.66% | -144 bps | |
| Net Worth / Assets | 12.14% | 12.12% | 12.38% | 12.10% | 12.02% | 12.61% | 12.70% | 10.66% | -144 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.22% | 57.58% | 58.18% | 54.81% | 53.80% | 55.71% | 53.87% | 52.65% | -217 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |