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 | |