Sterling Hgts, MI · Charter 65739
NCUA · 1 branch
Q3 2016
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.19% | -0.24% | -0.26% | -0.20% | -5.07% | -489 bps | |
| Return on Equity | -1.80% | -2.30% | -2.49% | -1.96% | -71.68% | -6,988 bps | |
| Net Interest Margin | 1.99% | 2.01% | 1.93% | 1.88% | 1.97% | -2 bps | |
| Efficiency Ratio | 107.22% | 109.12% | 108.38% | 107.29% | 298% | +19,115 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.40% | -0.22% | -0.56% | -4.18% | -6.65% | -706 bps | |
| Loan Growth (YoY) | -0.07% | 1.61% | 2.97% | -3.22% | 0.50% | +58 bps | |
| Share Growth (YoY) | 1.94% | 1.41% | 0.93% | -4.02% | -6.57% | -851 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.32% | 2.73% | 2.44% | 1.38% | 0.22% | -110 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.57% | 0.38% | 0.49% | 0.52% | 0.48% | -9 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.29% | 10.30% | 10.26% | 10.34% | 7.08% | -321 bps | |
| Net Worth / Assets | 10.29% | 10.30% | 10.26% | 10.34% | 7.08% | -321 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 13.55% | 13.66% | 13.22% | 13.03% | 14.58% | +103 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |