Owosso, MI · Charter 7673
NCUA · 1 branch
Q2 2021
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 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.03% | 0.28% | -0.27% | -0.22% | -0.61% | -0.71% | -1.30% | -1.32% | -109 bps | |
| Return on Equity | -0.17% | 1.73% | -1.73% | -1.70% | -4.85% | -6.26% | -13.60% | -14.64% | -1,295 bps | |
| Net Interest Margin | 3.64% | 3.73% | 3.52% | 2.90% | 2.79% | 2.54% | 1.93% | 1.75% | -116 bps | |
| Efficiency Ratio | 107.88% | 108.67% | 125.74% | 124.51% | 126.11% | 130.20% | 162.82% | 165.42% | +4,092 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.68% | 6.22% | 8.75% | 17.42% | 20.10% | 32.52% | 47.79% | 29.74% | +1,232 bps | |
| Loan Growth (YoY) | -4.34% | -3.96% | -11.06% | -7.19% | -5.43% | -8.49% | -12.07% | -14.94% | -775 bps | |
| Share Growth (YoY) | 2.47% | 9.46% | 10.50% | 23.92% | 26.18% | 40.21% | 56.44% | 34.31% | +1,039 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.39% | 0.84% | 0.67% | 0.17% | 0.67% | 0.88% | 0.00% | 1.87% | +170 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 | 2.36% | 1.51% | 1.20% | 0.89% | 1.04% | 1.00% | 1.03% | 0.85% | -3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.26% | 15.97% | 15.49% | 13.18% | 12.50% | 11.34% | 9.58% | 8.99% | -420 bps | |
| Net Worth / Assets | 15.26% | 15.97% | 15.49% | 13.18% | 12.50% | 11.34% | 9.58% | 8.99% | -420 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.00% | 59.33% | 52.55% | 44.01% | 42.72% | 38.73% | 29.53% | 27.87% | -1,614 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |