Jackson, MI · Charter 7549
NCUA · 1 branch
Q4 2017
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 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.56% | 0.03% | 0.39% | 0.38% | -2.13% | -269 bps | |
| Return on Equity | 4.37% | 0.26% | 3.14% | 3.09% | -21.82% | -2,619 bps | |
| Net Interest Margin | 4.14% | 4.44% | 4.29% | 4.38% | 4.37% | +23 bps | |
| Efficiency Ratio | 90.76% | 96.81% | 92.16% | 92.79% | 131.76% | +4,100 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.35% | 3.30% | 8.47% | 9.74% | 7.96% | -538 bps | |
| Loan Growth (YoY) | 15.17% | 13.14% | 19.57% | 26.71% | 30.73% | +1,556 bps | |
| Share Growth (YoY) | 0.93% | -0.32% | 17.68% | 25.91% | 21.59% | +2,066 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.54% | 1.34% | 1.75% | 1.81% | 1.96% | +42 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.77% | 0.73% | 0.61% | 0.53% | 0.50% | -28 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.82% | 13.21% | 12.56% | 12.37% | 9.74% | -307 bps | |
| Net Worth / Assets | 12.82% | 13.21% | 12.56% | 12.37% | 9.74% | -307 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.35% | 82.27% | 81.19% | 86.36% | 90.69% | +634 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |