Jackson, MI · Charter 8667
NCUA · 10 branches
Q2 2020
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 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.31% | 1.05% | 1.26% | 1.34% | 1.40% | 1.08% | 0.09% | 0.47% | -87 bps | |
| Return on Equity | 10.46% | 8.47% | 10.30% | 10.73% | 10.72% | 8.34% | 0.68% | 4.22% | -651 bps | |
| Net Interest Margin | 3.84% | 3.71% | 4.06% | 4.16% | 4.27% | 4.04% | 3.64% | 3.39% | -77 bps | |
| Efficiency Ratio | 72.84% | 76.08% | 74.73% | 72.91% | 72.49% | 75.33% | 80.00% | 76.23% | +332 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.61% | 5.18% | 3.48% | 4.53% | 4.27% | 3.81% | 4.08% | 17.39% | +1,286 bps | |
| Loan Growth (YoY) | 13.24% | 13.00% | 11.27% | 9.13% | 6.50% | 3.87% | 2.93% | 1.70% | -743 bps | |
| Share Growth (YoY) | 1.16% | 4.99% | 2.85% | 4.07% | 3.95% | 4.08% | 4.90% | 20.02% | +1,595 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.85% | 0.86% | 0.85% | 0.98% | 1.00% | 0.91% | 0.76% | 0.54% | -44 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 | 0.49% | 0.52% | 0.52% | 0.55% | 0.53% | 0.57% | 0.69% | 0.73% | +18 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.48% | 12.36% | 12.20% | 12.48% | 13.07% | 12.95% | 12.48% | 11.22% | -127 bps | |
| Net Worth / Assets | 12.48% | 12.36% | 12.20% | 12.48% | 13.07% | 12.95% | 12.48% | 11.22% | -127 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 88.42% | 89.46% | 86.11% | 87.29% | 90.59% | 89.28% | 84.49% | 73.96% | -1,333 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |