Muskegon Hts., MI · Charter 7810
NCUA · 1 branch
Q3 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 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.05% | 0.33% | 0.20% | 0.19% | 0.32% | 0.09% | 0.26% | 0.30% | +11 bps | |
| Return on Equity | 0.60% | 3.98% | 2.29% | 2.22% | 3.53% | 1.03% | 2.92% | 3.26% | +104 bps | |
| Net Interest Margin | 3.36% | 3.14% | 3.07% | 3.10% | 3.25% | 3.05% | 3.14% | 3.25% | +15 bps | |
| Efficiency Ratio | 94.44% | 87.76% | 91.60% | 93.01% | 91.05% | 97.77% | 93.72% | 93.05% | +3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.09% | 3.61% | -2.19% | 0.81% | -0.60% | -1.56% | 0.87% | -1.48% | -229 bps | |
| Loan Growth (YoY) | 0.76% | 0.72% | 0.13% | 0.23% | -3.94% | -5.18% | -3.84% | 3.22% | +299 bps | |
| Share Growth (YoY) | 5.64% | 3.58% | -2.39% | 0.23% | -0.39% | -2.21% | 0.59% | -2.27% | -250 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.53% | 0.22% | 0.04% | 0.27% | 0.34% | 0.28% | 0.35% | 0.21% | -5 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 | 0.25% | 0.25% | 0.22% | 0.22% | 0.26% | 0.27% | 0.14% | 0.15% | -7 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.38% | 8.27% | 8.77% | 8.76% | 8.96% | 8.86% | 9.05% | 9.29% | +53 bps | |
| Net Worth / Assets | 8.38% | 8.27% | 8.77% | 8.76% | 8.96% | 8.86% | 9.05% | 9.29% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 76.05% | 72.64% | 76.32% | 75.92% | 73.34% | 70.43% | 72.95% | 80.19% | +426 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |