Warren, MI · Charter 62362
NCUA · 2 branches
Q2 2021
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | 0.78% | 0.57% | 0.49% | 0.40% | 0.37% | 0.00% | 0.12% | -36 bps | |
| Return on Equity | 3.70% | 4.49% | 3.40% | 3.08% | 2.48% | 2.31% | 0.00% | 0.84% | -224 bps | |
| Net Interest Margin | 2.72% | 2.88% | 2.46% | 2.13% | 2.11% | 2.10% | 1.65% | 1.58% | -55 bps | |
| Efficiency Ratio | 79.26% | 74.40% | 79.05% | 79.65% | 81.28% | 82.19% | 90.10% | 87.67% | +802 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.57% | 1.28% | 2.16% | 8.96% | 12.00% | 11.52% | 13.79% | 8.24% | -72 bps | |
| Loan Growth (YoY) | -9.06% | -10.76% | -12.00% | -2.92% | 5.80% | 6.42% | 14.06% | 1.41% | +433 bps | |
| Share Growth (YoY) | 0.91% | 0.14% | 1.31% | 9.24% | 12.96% | 13.50% | 16.23% | 10.05% | +81 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.76% | 1.83% | 0.82% | 0.74% | 1.57% | 2.09% | 2.03% | 1.60% | +86 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 | 1.28% | 1.11% | 1.04% | 0.74% | 0.60% | 0.71% | 0.83% | 0.88% | +14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.20% | 17.43% | 16.89% | 15.80% | 15.96% | 16.00% | 15.06% | 14.77% | -103 bps | |
| Net Worth / Assets | 17.20% | 17.43% | 16.89% | 15.80% | 15.96% | 16.00% | 15.06% | 14.77% | -103 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 23.45% | 22.67% | 20.62% | 20.64% | 21.97% | 21.26% | 20.23% | 19.02% | -162 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |