St Clair, MI · Charter 7921
NCUA · 1 branch
Q1 2020
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 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.51% | 0.76% | 0.21% | -0.91% | -10.86% | -1,137 bps | |
| Return on Equity | 6.02% | 8.80% | 2.39% | -10.44% | -173.33% | -17,935 bps | |
| Net Interest Margin | 2.92% | 2.97% | 3.06% | 2.92% | 3.32% | +39 bps | |
| Efficiency Ratio | 92.03% | 89.27% | 89.29% | 117.42% | 346% | +25,431 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.57% | -0.70% | 4.32% | 7.28% | 0.70% | +227 bps | |
| Loan Growth (YoY) | -0.42% | 3.28% | 7.99% | 6.23% | 0.17% | +59 bps | |
| Share Growth (YoY) | -1.56% | -2.00% | 2.98% | 5.16% | 1.58% | +313 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.01% | 0.16% | 0.24% | 1.46% | 0.15% | +14 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.09% | 0.94% | 0.92% | 0.87% | 1.00% | -8 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.50% | 8.64% | 8.80% | 8.71% | 6.27% | -223 bps | |
| Net Worth / Assets | 8.50% | 8.64% | 8.80% | 8.71% | 6.27% | -223 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 48.67% | 49.00% | 50.55% | 49.90% | 47.99% | -67 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |