Menominee, MI · Charter 63753
NCUA · 1 branch
Q2 2017
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 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.07% | -0.05% | -0.01% | -0.34% | -0.35% | -28 bps | |
| Return on Equity | -0.42% | -0.29% | -0.08% | -2.13% | -2.23% | -182 bps | |
| Net Interest Margin | 3.02% | 3.08% | 3.08% | 2.87% | 2.93% | -10 bps | |
| Efficiency Ratio | 101.52% | 101.05% | 100.03% | 106.60% | 105.08% | +356 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.73% | 3.35% | 2.53% | 4.60% | 2.47% | -226 bps | |
| Loan Growth (YoY) | 2.52% | 2.85% | 12.18% | 6.75% | 9.09% | +656 bps | |
| Share Growth (YoY) | 5.58% | 3.88% | 2.78% | 5.28% | 3.14% | -244 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.84% | 0.66% | 0.61% | 0.34% | 0.42% | -41 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.24% | 16.59% | 16.57% | 15.76% | 15.70% | -55 bps | |
| Net Worth / Assets | 16.24% | 16.59% | 16.57% | 15.76% | 15.70% | -55 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |