Belleville, MI · Charter 6299
NCUA · 1 branch
Q1 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 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.16% | -0.22% | -0.18% | -0.06% | -0.18% | 0.04% | 0.07% | 0.08% | +13 bps | |
| Return on Equity | -2.32% | -3.11% | -2.55% | -0.89% | -2.95% | 0.71% | 1.10% | 1.34% | +223 bps | |
| Net Interest Margin | 2.97% | 2.99% | 2.89% | 2.36% | 2.30% | 2.30% | 2.25% | 2.05% | -31 bps | |
| Efficiency Ratio | 95.97% | 98.07% | 98.72% | 101.39% | 104.55% | 100.45% | 99.46% | 97.92% | -347 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 14.61% | 18.96% | 23.56% | 28.62% | 14.04% | 17.70% | 16.98% | 7.55% | -2,107 bps | |
| Loan Growth (YoY) | -5.36% | -7.81% | -0.88% | -1.63% | 2.95% | 3.56% | 0.29% | -3.85% | -222 bps | |
| Share Growth (YoY) | 15.72% | 20.96% | 26.13% | 31.60% | 15.44% | 19.08% | 18.23% | 7.95% | -2,365 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.29% | 0.35% | 0.32% | 0.08% | 0.27% | 0.34% | 0.15% | 0.34% | +26 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 | 0.84% | 0.84% | 0.79% | 0.84% | 0.84% | 0.75% | 0.54% | 0.58% | -26 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.10% | 7.23% | 7.02% | 6.16% | 6.05% | 6.16% | 6.07% | 5.82% | -34 bps | |
| Net Worth / Assets | 7.10% | 7.23% | 7.02% | 6.16% | 6.05% | 6.16% | 6.07% | 5.82% | -34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.10% | 43.79% | 44.65% | 38.42% | 38.43% | 38.09% | 37.87% | 34.22% | -420 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |