Rogers City, MI · Charter 62333
NCUA · 3 branches
Q4 2022
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 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.84% | 0.77% | 0.81% | 0.74% | 0.54% | 0.66% | 0.87% | 0.96% | +22 bps | |
| Return on Equity | 7.83% | 7.27% | 7.76% | 7.17% | 5.28% | 6.40% | 8.27% | 8.85% | +168 bps | |
| Net Interest Margin | 2.32% | 2.27% | 2.27% | 2.21% | 2.36% | 2.47% | 2.64% | 2.83% | +62 bps | |
| Efficiency Ratio | 76.85% | 76.60% | 75.83% | 76.72% | 78.84% | 76.87% | 72.62% | 70.01% | -671 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 30.30% | 22.16% | 22.93% | 21.08% | 13.37% | 11.56% | 8.57% | 4.93% | -1,616 bps | |
| Loan Growth (YoY) | 4.51% | 6.08% | 7.13% | 5.57% | 10.26% | 12.96% | 13.48% | 14.46% | +889 bps | |
| Share Growth (YoY) | 33.47% | 25.23% | 26.26% | 24.17% | 16.70% | 15.06% | 12.34% | 6.25% | -1,793 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.15% | 0.22% | 0.13% | 0.22% | 0.40% | 0.61% | 0.56% | 0.84% | +63 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 | 0.29% | 0.31% | 0.26% | 0.30% | 0.34% | 0.33% | 0.33% | 0.47% | +18 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.74% | 10.65% | 10.45% | 10.29% | 10.14% | 10.31% | 10.48% | 10.83% | +55 bps | |
| Net Worth / Assets | 10.74% | 10.65% | 10.45% | 10.29% | 10.14% | 10.31% | 10.48% | 10.83% | +55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.68% | 47.42% | 46.80% | 45.86% | 45.05% | 46.55% | 47.28% | 49.41% | +355 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |