La Crosse, WI · Charter 66406
NCUA · 1 branch
Q3 2024
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.74% | 0.98% | 1.10% | 1.29% | 1.30% | +56 bps | |
| Return on Equity | 6.05% | 7.74% | 8.55% | 9.86% | 9.88% | +383 bps | |
| Net Interest Margin | 3.29% | 3.53% | 3.79% | 3.76% | 3.65% | +36 bps | |
| Efficiency Ratio | 68.26% | 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 / Loans | 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 |
| Allowance / Loans | 0.30% | 0.26% | 0.53% | 0.50% | 0.49% | +19 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.26% | 12.69% | 12.91% | 13.11% | 13.15% | +89 bps | |
| Net Worth / Assets | 12.26% | 12.69% | 12.91% | 13.11% | 13.15% | +89 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |