Flint, MI · Charter 7569
NCUA · 11 branches
Q4 2019
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 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.39% | 1.39% | 1.45% | 1.51% | 1.31% | 1.50% | 1.51% | 1.32% | -19 bps | |
| Return on Equity | 8.06% | 8.11% | 8.34% | 8.65% | 7.78% | 9.06% | 9.03% | 8.05% | -60 bps | |
| Net Interest Margin | 4.26% | 4.23% | 4.25% | 4.23% | 4.18% | 4.02% | 4.00% | 3.92% | -30 bps | |
| Efficiency Ratio | 63.63% | 63.45% | 63.53% | 64.15% | 66.52% | 66.60% | 66.51% | 68.34% | +419 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.70% | 10.28% | 10.87% | 11.10% | 11.90% | 14.10% | 14.59% | 15.48% | +438 bps | |
| Loan Growth (YoY) | 22.60% | 19.59% | 15.47% | 11.96% | 9.76% | 8.85% | 9.47% | 12.90% | +95 bps | |
| Share Growth (YoY) | 7.55% | 8.31% | 6.54% | 7.04% | 7.68% | 12.86% | 16.31% | 17.48% | +1,044 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.15% | 1.31% | 1.45% | 1.55% | 1.42% | 1.35% | 1.47% | 1.43% | -11 bps | |
| Net Charge-Offs / Loans | 0.33% | 0.32% | 0.30% | 0.28% | 0.25% | 0.23% | 0.21% | 0.19% | -9 bps | |
| Allowance / Loans | 0.94% | 1.05% | 1.11% | 1.04% | 1.12% | 1.02% | 0.96% | 0.94% | -10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 17.23% | 17.17% | 17.37% | 17.47% | 16.85% | 16.56% | 16.69% | 16.45% | -102 bps | |
| Net Worth / Assets | 17.23% | 17.17% | 17.37% | 17.47% | 16.85% | 16.56% | 16.69% | 16.45% | -102 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.34% | 101.22% | 106.12% | 105.41% | 99.22% | 97.63% | 99.88% | 101.30% | -411 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |