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La Crosse-Burlington

La Crosse, WI · Charter 66406

NCUA · 1 branch

Q3 2024

$8.0MAssets
$3.3MLoans
$6.9MShares
$1.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.30%, up 56 bps year over year; NIM at 3.65%.
  • Asset quality: problem loans at 1.10% of loans (-8 bps YoY).
  • Capital: net worth / assets of 13.15%, up 89 bps from a year ago.
  • Funding: loans stand at 48.33% of shares as of Q3 2024.

Financial Results

Return on Assets (YTD, annualized)

1.30%+56 bps YoY

Net Interest Margin (YTD, annualized)

3.65%+36 bps YoY

Efficiency Ratio (YTD, annualized)

64.40%-386 bps YoY

Net Worth / Assets

13.15%+89 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2023Q4 2023Q1 2024Q2 2024Q3 2024YoY ΔTrend
Earnings
Return on Assets0.74%0.98%1.10%1.29%1.30%+56 bps
Return on Equity6.05%7.74%8.55%9.86%9.88%+383 bps
Net Interest Margin3.29%3.53%3.79%3.76%3.65%+36 bps
Efficiency Ratio68.26%66.84%63.94%63.90%64.40%-386 bps
Growth
Asset Growth (YoY)-6.24%-3.54%-5.63%-0.63%4.21%+1,045 bps
Loan Growth (YoY)20.26%20.36%15.01%15.32%12.24%-802 bps
Share Growth (YoY)-7.80%-5.04%-7.53%-2.13%2.97%+1,077 bps
Asset Quality
Delinquent Loans / Loans1.18%0.85%0.83%1.48%1.10%-8 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.30%0.26%0.53%0.50%0.49%+19 bps
Capital
Risk-Based Capital12.26%12.69%12.91%13.11%13.15%+89 bps
Net Worth / Assets12.26%12.69%12.91%13.11%13.15%+89 bps
Liquidity & Funding
Loans / Shares44.34%46.62%45.43%47.69%48.33%+399 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps