Kalamazoo, MI · Charter 63842
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.
Kalamazoo, MI · Charter 63842
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 | -1.81% | -1.81% | -2.06% | -1.92% | -1.87% | -1.82% | -1.77% | -11.08% | -916 bps | |
| Return on Equity | -12.39% | -12.74% | -15.12% | -14.91% | -14.72% | -14.47% | -14.11% | -134.53% | -11,962 bps | |
| Net Interest Margin | 2.48% | 2.49% | 2.36% | 2.36% | 2.48% | 2.59% | 2.90% | 3.11% | +75 bps | |
| Efficiency Ratio | 169.36% | 169.67% | 183.87% | 179.01% | 172.87% | 167.93% | 159.17% | 446% | +26,673 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -12.03% | -10.42% | -8.63% | 1.18% | 0.58% | -1.19% | -5.21% | -12.19% | -1,337 bps | |
| Loan Growth (YoY) | 4.72% | 1.78% | 6.47% | 16.00% | 19.38% | 23.03% | 30.25% | 19.73% | +373 bps | |
| Share Growth (YoY) | -12.06% | -10.28% | -8.01% | 3.59% | 2.83% | 0.69% | -4.11% | -7.29% | -1,088 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.03% | 0.03% | 0.23% | 0.21% | 0.00% | 0.25% | 0.00% | 0.00% | -21 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 | 1.60% | 1.60% | 1.55% | 1.39% | 1.41% | 1.37% | 1.27% | 1.25% | -15 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.60% | 14.22% | 13.61% | 12.89% | 12.67% | 12.58% | 12.58% | 8.24% | -465 bps | |
| Net Worth / Assets | 14.60% | 14.22% | 13.61% | 12.89% | 12.67% | 12.58% | 12.58% | 8.24% | -465 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.01% | 50.15% | 50.16% | 54.23% | 58.06% | 61.28% | 68.12% | 70.03% | +1,580 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |