Warren, MI · Charter 64070
NCUA · 3 branches
Q2 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2018, the quarter ended June 30, 2018, 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.
Warren, MI · Charter 64070
NCUA · 3 branches
Q2 2018
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 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.52% | 0.63% | 0.27% | 0.23% | 0.56% | 0.75% | -1.48% | -0.85% | -108 bps | |
| Return on Equity | 4.25% | 5.04% | 2.16% | 1.83% | 4.31% | 5.61% | -10.69% | -6.01% | -785 bps | |
| Net Interest Margin | 2.00% | 1.97% | 1.88% | 1.89% | 1.96% | 2.01% | 1.41% | 1.81% | -8 bps | |
| Efficiency Ratio | 99.81% | 103.10% | 104.81% | 103.83% | 101.52% | 101.89% | 248% | 161.39% | +5,756 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.88% | 2.73% | 2.41% | 1.16% | 0.33% | -1.78% | -7.03% | -9.23% | -1,038 bps | |
| Loan Growth (YoY) | -10.90% | -9.06% | -7.62% | -5.18% | -1.67% | 1.41% | -0.73% | -3.48% | +169 bps | |
| Share Growth (YoY) | 1.52% | 2.18% | 2.06% | 0.75% | -0.37% | -2.73% | -8.47% | -10.79% | -1,153 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.29% | 2.42% | 1.45% | 1.46% | 0.39% | 0.19% | 0.20% | 1.34% | -11 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 | 6.47% | 5.67% | 5.50% | 5.34% | 4.36% | 3.27% | 3.13% | 3.07% | -227 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.33% | 12.43% | 12.53% | 12.59% | 12.95% | 13.41% | 13.83% | 14.14% | +154 bps | |
| Net Worth / Assets | 12.33% | 12.43% | 12.53% | 12.59% | 12.95% | 13.41% | 13.83% | 14.14% | +154 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 38.22% | 37.03% | 36.63% | 36.68% | 37.72% | 38.60% | 39.73% | 39.69% | +300 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |