Livonia, MI · Charter 8384
NCUA · 2 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 | -0.61% | -0.76% | -0.47% | -0.42% | 0.99% | 1.00% | 0.89% | 0.82% | +124 bps | |
| Return on Equity | -7.84% | -10.69% | -5.79% | -5.28% | 12.45% | 12.38% | 10.72% | 9.76% | +1,505 bps | |
| Net Interest Margin | 3.52% | 3.40% | 3.77% | 3.77% | 3.57% | 3.53% | 3.64% | 3.61% | -16 bps | |
| Efficiency Ratio | 75.25% | 74.91% | 75.54% | 75.06% | 77.85% | 77.56% | 77.49% | 79.79% | +473 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.77% | 8.24% | -1.34% | -2.16% | -2.13% | -5.22% | 4.45% | 4.43% | +659 bps | |
| Loan Growth (YoY) | 41.70% | 40.28% | 15.84% | 6.15% | -2.76% | -5.52% | 3.61% | 1.42% | -473 bps | |
| Share Growth (YoY) | -2.62% | -1.88% | -3.19% | 0.39% | 1.72% | 4.23% | 6.26% | 3.78% | +339 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.44% | 1.26% | 1.34% | 1.28% | 0.79% | 0.85% | 0.57% | 0.77% | -51 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 | 0.85% | 1.13% | 1.24% | 1.51% | 1.33% | 1.13% | 1.01% | 0.97% | -55 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.79% | 7.16% | 8.03% | 7.92% | 7.96% | 8.05% | 8.29% | 8.40% | +48 bps | |
| Net Worth / Assets | 7.79% | 7.16% | 8.03% | 7.92% | 7.96% | 8.05% | 8.29% | 8.40% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.66% | 96.06% | 91.99% | 88.54% | 85.71% | 87.08% | 89.70% | 86.52% | -202 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |