Escanaba, MI · Charter 62454
NCUA · 2 branches
Q1 2020
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 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.67% | 0.87% | 1.03% | 0.95% | 1.13% | 1.31% | 1.37% | 1.20% | +25 bps | |
| Return on Equity | 5.93% | 7.24% | 8.36% | 7.82% | 9.16% | 10.29% | 10.65% | 9.32% | +150 bps | |
| Net Interest Margin | 3.40% | 3.58% | 3.60% | 3.59% | 3.64% | 3.69% | 3.67% | 3.56% | -3 bps | |
| Efficiency Ratio | 78.06% | 75.34% | 72.92% | 75.66% | 73.08% | 70.77% | 70.26% | 74.27% | -140 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.55% | -6.43% | -2.08% | 0.14% | 2.07% | 5.69% | 6.70% | 6.02% | +588 bps | |
| Loan Growth (YoY) | 1.08% | 3.58% | 2.38% | 2.71% | 3.51% | 4.56% | 6.61% | 4.59% | +189 bps | |
| Share Growth (YoY) | -3.03% | -7.42% | -3.08% | -1.51% | -0.29% | 3.97% | 5.09% | 4.72% | +623 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.82% | 0.80% | 0.57% | 0.54% | 0.47% | 0.67% | 0.39% | 0.85% | +30 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 0.44% | 0.44% | 0.44% | 0.43% | 0.43% | -1 bps | |
| Allowance / Loans | 0.92% | 0.95% | 0.97% | 1.02% | 1.03% | 0.97% | 0.89% | 0.85% | -17 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.34% | 12.04% | 12.30% | 12.12% | 12.32% | 12.74% | 12.90% | 12.84% | +72 bps | |
| Net Worth / Assets | 11.34% | 12.04% | 12.30% | 12.12% | 12.32% | 12.74% | 12.90% | 12.84% | +72 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 67.35% | 71.97% | 71.02% | 68.22% | 69.92% | 72.38% | 72.06% | 68.14% | -8 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |