La Crosse, WI · Charter 66406
NCUA · 1 branch
Q3 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2024, the quarter ended September 30, 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=1,754 to 1,761). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
57
Asset Quality
29
Profitability
70
Liquidity
23
Efficiency
83
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.
La Crosse, WI · Charter 66406
NCUA · 1 branch
Q3 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 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.08% | 0.74% | 0.83% | 0.74% | 0.98% | 1.10% | 1.29% | 1.30% | +56 bps | |
| Return on Equity | -0.73% | 6.59% | 7.01% | 6.05% | 7.74% | 8.55% | 9.86% | 9.88% | +383 bps | |
| Net Interest Margin | 1.91% | 2.82% | 3.06% | 3.29% | 3.53% | 3.79% | 3.76% | 3.65% | +36 bps | |
| Efficiency Ratio | 105.43% | 73.44% | 71.15% | 68.26% | 66.84% | 63.94% | 63.90% | 64.40% | -386 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.95% | -5.59% | -5.79% | -6.24% | -3.54% | -5.63% | -0.63% | 4.21% | +1,045 bps | |
| Loan Growth (YoY) | -1.95% | 6.88% | 9.87% | 20.26% | 20.36% | 15.01% | 15.32% | 12.24% | -802 bps | |
| Share Growth (YoY) | -7.78% | -6.57% | -7.09% | -7.80% | -5.04% | -7.53% | -2.13% | 2.97% | +1,077 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.85% | 2.50% | 2.29% | 1.18% | 0.85% | 0.83% | 1.48% | 1.10% | -8 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 | 0.53% | 0.55% | 0.69% | 0.30% | 0.26% | 0.53% | 0.50% | 0.49% | +19 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.29% | 11.19% | 11.84% | 12.26% | 12.69% | 12.91% | 13.11% | 13.15% | +89 bps | |
| Net Worth / Assets | 11.29% | 11.19% | 11.84% | 12.26% | 12.69% | 12.91% | 13.11% | 13.15% | +89 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.78% | 36.53% | 40.47% | 44.34% | 46.62% | 45.43% | 47.69% | 48.33% | +399 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
La Crosse, WI · Charter 66406 · Peer group: credit unions under $1B in assets (n=1,754-1,761)
NCUA · 1 branch
Q3 2024
Return on Assets
1.30%
Rank 380 of 1,761
Net Interest Margin
3.64%
Rank 844 of 1,761
Efficiency Ratio
64.32%
Rank 306 of 1,754
Equity / Assets
13.15%
Rank 749 of 1,761
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.30% | 0.26% | 0.70% | 1.22% | Beats 78% | 380 / 1,761 | ||
| Return on Equity | 9.91% | 2.09% | 5.52% | 9.08% | Beats 80% | 357 / 1,761 | ||
| Net Interest Margin | 3.64% | 3.03% | 3.59% | 4.25% | Beats 52% | 844 / 1,761 | ||
| Efficiency Ratio | 64.32% | 68.95% | 77.94% | 87.14% | Beats 83% | 306 / 1,754 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.11% | 0.26% | 0.65% | 1.27% | Beats 29% | 1,247 / 1,757 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.15% | 10.05% | 12.42% | 15.87% | Beats 57% | 750 / 1,761 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 13.15% | 10.05% | 12.42% | 15.87% | Beats 57% | 749 / 1,761 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 48.33% | 56.21% | 73.13% | 85.64% | 16th pctl | 1,469 / 1,759 | ||
| Loans / Assets | 41.73% | 47.85% | 62.48% | 73.19% | 17th pctl | 1,462 / 1,761 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||