Detroit, MI · Charter 63713
NCUA · 1 branch
Q2 2018
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 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -5.35% | -4.53% | -4.38% | -1.68% | -0.43% | +491 bps | |
| Return on Equity | -23.58% | -20.05% | -19.81% | -7.60% | -1.87% | +2,171 bps | |
| Net Interest Margin | 2.44% | 2.47% | 2.51% | 3.45% | 3.26% | +82 bps | |
| Efficiency Ratio | 304% | 273% | 266% | 148.32% | 113.29% | -19,069 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.07% | -8.33% | -5.08% | -3.43% | -9.77% | -70 bps | |
| Loan Growth (YoY) | 2.58% | -7.34% | 1.61% | 16.85% | 17.01% | +1,443 bps | |
| Share Growth (YoY) | -6.86% | -5.18% | -1.68% | -2.04% | -10.51% | -365 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.65% | 9.37% | 8.25% | 12.03% | 17.42% | +877 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.70% | 0.78% | 0.63% | 0.59% | 0.59% | -10 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.68% | 22.61% | 22.10% | 22.05% | 23.23% | +56 bps | |
| Net Worth / Assets | 22.68% | 22.61% | 22.10% | 22.05% | 23.23% | +56 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 36.95% | 33.98% | 42.11% | 45.55% | 48.32% | +1,137 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |