Richmond, MI · Charter 62342
NCUA · 1 branch
Q4 2021
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.26% | -0.03% | -0.18% | -0.25% | -0.65% | -90 bps | |
| Return on Equity | 2.87% | -0.30% | -2.27% | -3.14% | -8.93% | -1,179 bps | |
| Net Interest Margin | 1.94% | 1.33% | 1.17% | 1.18% | 1.10% | -84 bps | |
| Efficiency Ratio | 89.25% | 101.23% | 111.30% | 115.07% | 142.13% | +5,288 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 14.94% | 20.55% | 13.39% | 16.44% | 14.99% | +4 bps | |
| Loan Growth (YoY) | -4.89% | -14.10% | -18.81% | -23.22% | -20.09% | -1,520 bps | |
| Share Growth (YoY) | 15.62% | 23.09% | 14.90% | 18.06% | 18.51% | +290 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.10% | 0.00% | 0.00% | 0.00% | 0.00% | -10 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.22% | 0.24% | 0.26% | 0.27% | 0.28% | +6 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.05% | 8.41% | 8.15% | 7.83% | 7.23% | -183 bps | |
| Net Worth / Assets | 9.05% | 8.41% | 8.15% | 7.83% | 7.23% | -183 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 25.02% | 21.18% | 19.60% | 17.95% | 16.87% | -815 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |