Clinton Twp, MI · Charter 63289
NCUA · 4 branches
Q1 2020
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.20% | 0.13% | 0.04% | -0.29% | 0.07% | 0.20% | 0.13% | -3.42% | -314 bps | |
| Return on Equity | 1.53% | 0.97% | 0.33% | -2.20% | 0.51% | 1.46% | 0.98% | -28.37% | -2,617 bps | |
| Net Interest Margin | 3.63% | 3.73% | 3.73% | 3.59% | 3.62% | 3.69% | 3.64% | 3.18% | -41 bps | |
| Efficiency Ratio | 88.24% | 86.84% | 88.23% | 91.46% | 87.26% | 86.58% | 89.76% | 178.82% | +8,736 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.25% | 2.94% | 3.35% | 1.19% | -0.05% | -0.05% | 0.66% | 2.36% | +117 bps | |
| Loan Growth (YoY) | -3.46% | -4.99% | -4.31% | -6.00% | -5.27% | -9.12% | -12.10% | -13.89% | -789 bps | |
| Share Growth (YoY) | 4.70% | 3.40% | 3.96% | 1.15% | -0.38% | -0.79% | -0.24% | 2.01% | +87 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.01% | 0.95% | 1.09% | 0.94% | 0.54% | 0.64% | 0.57% | 0.22% | -72 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.07% | 0.06% | 0.05% | 0.04% | 0.03% | 0.03% | 0.02% | -3 bps | |
| Allowance / Loans | 1.20% | 1.28% | 1.32% | 1.37% | 1.33% | 1.29% | 1.23% | 0.87% | -50 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.28% | 13.56% | 13.50% | 13.03% | 13.26% | 13.66% | 13.54% | 12.07% | -96 bps | |
| Net Worth / Assets | 13.28% | 13.56% | 13.50% | 13.03% | 13.26% | 13.66% | 13.54% | 12.07% | -96 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 81.10% | 83.62% | 83.32% | 78.13% | 77.12% | 76.61% | 73.41% | 65.95% | -1,218 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |