Appleton, WI · Charter 24849
NCUA · 1 branch
Q1 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2025, the quarter ended March 31, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,675 to 1,678). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
30
Asset Quality
65
Profitability
28
Liquidity
0
Efficiency
21
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Appleton, WI · Charter 24849
NCUA · 1 branch
Q1 2025
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 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.41% | 0.52% | 0.47% | 0.50% | 0.28% | -13 bps | |
| Return on Equity | 4.88% | 5.29% | 4.77% | 4.86% | 2.68% | -219 bps | |
| Net Interest Margin | 2.65% | 3.12% | 3.11% | 3.19% | 3.20% | +55 bps | |
| Efficiency Ratio | 85.53% | 85.06% | 85.64% | 84.97% | 90.51% | +499 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.38% | -7.01% | -3.72% | -5.22% | -16.21% | -2,058 bps | |
| Loan Growth (YoY) | -6.92% | -6.40% | -5.52% | -4.73% | -5.77% | +115 bps | |
| Share Growth (YoY) | 7.10% | -8.28% | -8.73% | -6.28% | -19.57% | -2,667 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.29% | 0.29% | 0.28% | 0.29% | 0.34% | +4 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.37% | 9.89% | 9.91% | 10.25% | 10.43% | +207 bps | |
| Net Worth / Assets | 8.37% | 9.89% | 9.91% | 10.25% | 10.43% | +207 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.44% | 100.91% | 100.84% | 99.19% | 97.76% | +1,432 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Appleton, WI · Charter 24849 · Peer group: credit unions under $1B in assets (n=1,675-1,678)
NCUA · 1 branch
Q1 2025
Return on Assets
0.28%
Rank 1,222 of 1,678
Net Interest Margin
3.20%
Rank 1,213 of 1,677
Efficiency Ratio
90.52%
Rank 1,331 of 1,675
Equity / Assets
10.43%
Rank 1,180 of 1,677
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.28% | 0.24% | 0.67% | 1.21% | Beats 27% | 1,222 / 1,678 | |
| Return on Equity | 2.68% | 1.96% | 5.37% | 8.99% | Beats 30% | 1,171 / 1,675 | |
| Net Interest Margin | 3.20% | 3.12% | 3.67% | 4.25% | Beats 28% | 1,213 / 1,677 | |
| Efficiency Ratio | 90.52% | 68.92% | 78.89% | 88.44% | Beats 21% | 1,331 / 1,675 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.34% | 0.21% | 0.58% | 1.19% | Beats 65% | 585 / 1,676 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 10.43% | 10.02% | 12.33% | 15.89% | Beats 30% | 1,181 / 1,678 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 10.43% | 10.02% | 12.33% | 15.89% | Beats 30% | 1,180 / 1,677 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 97.76% | 54.28% | 70.33% | 83.29% | 95th pctl | 79 / 1,677 | |
| Loans / Assets | 76.77% | 46.21% | 59.98% | 70.96% | 87th pctl | 216 / 1,677 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||