Menominee, MI · Charter 63753
NCUA · 1 branch
Q2 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2017, the quarter ended June 30, 2017, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Menominee, MI · Charter 63753
NCUA · 1 branch
Q2 2017
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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.12% | 0.12% | -0.37% | -0.07% | -0.05% | -0.01% | -0.34% | -0.35% | -28 bps | |
| Return on Equity | 0.68% | 0.69% | -2.25% | -0.42% | -0.29% | -0.08% | -2.13% | -2.23% | -182 bps | |
| Net Interest Margin | 3.06% | 3.09% | 2.86% | 3.02% | 3.08% | 3.08% | 2.87% | 2.93% | -10 bps | |
| Efficiency Ratio | 96.56% | 96.56% | 110.59% | 101.52% | 101.05% | 100.03% | 106.60% | 105.08% | +356 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.30% | 5.82% | 4.67% | 4.73% | 3.35% | 2.53% | 4.60% | 2.47% | -226 bps | |
| Loan Growth (YoY) | -5.14% | -5.12% | -2.42% | 2.52% | 2.85% | 12.18% | 6.75% | 9.09% | +656 bps | |
| Share Growth (YoY) | 10.04% | 6.97% | 5.81% | 5.58% | 3.88% | 2.78% | 5.28% | 3.14% | -244 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.96% | 1.62% | 1.46% | 1.33% | 1.36% | 1.82% | 1.15% | 0.33% | -101 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 | 1.09% | 0.76% | 0.86% | 0.84% | 0.66% | 0.61% | 0.34% | 0.42% | -41 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.16% | 17.00% | 16.49% | 16.24% | 16.59% | 16.57% | 15.76% | 15.70% | -55 bps | |
| Net Worth / Assets | 17.16% | 17.00% | 16.49% | 16.24% | 16.59% | 16.57% | 15.76% | 15.70% | -55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 54.71% | 52.68% | 51.35% | 51.84% | 54.17% | 57.50% | 52.06% | 54.83% | +299 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |