Peshtigo, WI · Charter 66398
NCUA · 1 branch
Q3 2017
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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.44% | -0.12% | 0.04% | 0.14% | 0.27% | -0.09% | -5.28% | -4.34% | -448 bps | |
| Return on Equity | 2.87% | -0.76% | 0.24% | 0.93% | 1.75% | -0.57% | -40.90% | -34.81% | -3,574 bps | |
| Net Interest Margin | 3.33% | 3.23% | 3.31% | 3.32% | 3.33% | 3.23% | 3.30% | 3.24% | -8 bps | |
| Efficiency Ratio | 94.17% | 103.19% | 99.03% | 96.31% | 96.06% | 102.40% | 242% | 218% | +12,217 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.14% | -0.83% | -1.08% | 0.33% | 1.19% | 1.12% | 0.73% | -1.60% | -192 bps | |
| Loan Growth (YoY) | 4.14% | 3.07% | 2.21% | 4.32% | 2.00% | 1.70% | 2.54% | -3.01% | -734 bps | |
| Share Growth (YoY) | -0.33% | -1.45% | -1.78% | -0.06% | 1.08% | 1.02% | 3.74% | 1.89% | +195 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.23% | 0.19% | 0.18% | 0.00% | 0.00% | 0.07% | 0.20% | +2 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 | 0.69% | 0.70% | 0.65% | 0.63% | 0.48% | 0.48% | 0.48% | 0.49% | -14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.45% | 15.20% | 15.41% | 15.31% | 15.54% | 15.31% | 12.91% | 12.47% | -284 bps | |
| Net Worth / Assets | 15.45% | 15.20% | 15.41% | 15.31% | 15.54% | 15.31% | 12.91% | 12.47% | -284 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.74% | 85.42% | 87.01% | 88.67% | 87.52% | 85.99% | 86.00% | 84.41% | -427 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |