Nekoosa, WI · Charter 66393
NCUA · 1 branch
Q4 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2024, the quarter ended December 31, 2024, 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=1,721 to 1,724). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
69
Asset Quality
87
Profitability
13
Liquidity
0
Efficiency
6
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.
Nekoosa, WI · Charter 66393
NCUA · 1 branch
Q4 2024
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 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.74% | 1.70% | 1.79% | 1.88% | -0.34% | 0.69% | 1.07% | -0.09% | -197 bps | |
| Return on Equity | 13.25% | 12.60% | 12.58% | 12.89% | -2.29% | 4.58% | 6.93% | -0.61% | -1,349 bps | |
| Net Interest Margin | 3.76% | 3.70% | 3.83% | 3.87% | 4.12% | 4.03% | 4.08% | 2.84% | -103 bps | |
| Efficiency Ratio | 55.81% | 56.13% | 55.29% | 53.52% | 107.99% | 83.67% | 74.98% | 102.97% | +4,946 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.65% | -1.23% | -4.02% | -4.22% | -3.62% | -0.85% | 1.67% | -2.39% | +182 bps | |
| Loan Growth (YoY) | 8.42% | 12.06% | 14.70% | 18.98% | 17.12% | 4.60% | -2.18% | -5.44% | -2,442 bps | |
| Share Growth (YoY) | 1.58% | -3.25% | -6.71% | -6.92% | -5.92% | -2.50% | 0.42% | -2.54% | +438 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.09% | +9 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.15% | 13.53% | 14.26% | 14.62% | 15.05% | 15.02% | 15.38% | 14.89% | +27 bps | |
| Net Worth / Assets | 13.15% | 13.53% | 14.26% | 14.62% | 15.05% | 15.02% | 15.38% | 14.89% | +27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 31.88% | 35.47% | 38.81% | 39.18% | 39.69% | 38.05% | 37.80% | 38.01% | -116 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Nekoosa, WI · Charter 66393 · Peer group: credit unions under $1B in assets (n=1,721-1,724)
NCUA · 1 branch
Q4 2024
Return on Assets
-0.09%
Rank 1,536 of 1,724
Net Interest Margin
2.84%
Rank 1,407 of 1,723
Efficiency Ratio
102.91%
Rank 1,614 of 1,721
Equity / Assets
14.89%
Rank 538 of 1,723
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.09% | 0.25% | 0.67% | 1.13% | Beats 11% | 1,536 / 1,724 | ||
| Return on Equity | -0.62% | 1.95% | 5.34% | 8.54% | Beats 11% | 1,530 / 1,723 | ||
| Net Interest Margin | 2.84% | 3.03% | 3.61% | 4.27% | Beats 18% | 1,407 / 1,723 | ||
| Efficiency Ratio | 102.91% | 69.84% | 78.36% | 87.50% | Beats 6% | 1,614 / 1,721 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.09% | 0.28% | 0.70% | 1.38% | Beats 87% | 228 / 1,721 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.89% | 10.16% | 12.41% | 16.03% | Beats 69% | 540 / 1,724 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 14.89% | 10.15% | 12.41% | 16.03% | Beats 69% | 538 / 1,723 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 38.01% | 55.95% | 72.66% | 85.34% | 8th pctl | 1,591 / 1,722 | ||
| Loans / Assets | 32.31% | 47.91% | 62.00% | 72.82% | 8th pctl | 1,583 / 1,723 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||