Neenah, WI · Charter 66404
Q1 2014
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 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.29% | -0.18% | -0.03% | 0.08% | 0.23% | +52 bps | |
| Return on Equity | -3.45% | -2.05% | -0.39% | 0.91% | 2.63% | +608 bps | |
| Net Interest Margin | 2.57% | 2.72% | 2.83% | 2.90% | 3.04% | +47 bps | |
| Efficiency Ratio | 102.10% | 98.93% | 95.89% | 93.52% | 93.19% | -891 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.52% | 2.71% | 1.96% | 0.03% | 1.05% | -447 bps | |
| Loan Growth (YoY) | 3.72% | 8.25% | 12.75% | 17.81% | 15.15% | +1,143 bps | |
| Share Growth (YoY) | 6.07% | 3.52% | 3.08% | 0.69% | 1.68% | -439 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.23% | 0.65% | 0.12% | 0.72% | 0.66% | -57 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.59% | 0.56% | 0.53% | 0.57% | 0.61% | +1 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.53% | 8.55% | 8.67% | 8.67% | 8.65% | +12 bps | |
| Net Worth / Assets | 8.53% | 8.55% | 8.67% | 8.67% | 8.65% | +12 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 62.71% | 67.37% | 71.58% | 74.03% | 71.01% | +830 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |