Milwaukee, WI · Charter 66408
NCUA · 2 branches
Q4 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2018, the quarter ended December 31, 2018, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Milwaukee, WI · Charter 66408
NCUA · 2 branches
Q4 2018
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 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.18% | 1.22% | 1.27% | 1.36% | 1.32% | 1.25% | 1.42% | 0.62% | -74 bps | |
| Return on Equity | 9.79% | 10.16% | 10.49% | 10.58% | 10.38% | 9.89% | 10.92% | 4.84% | -574 bps | |
| Net Interest Margin | 3.20% | 3.17% | 3.20% | 3.31% | 3.18% | 3.16% | 3.15% | 3.13% | -18 bps | |
| Efficiency Ratio | 76.51% | 73.58% | 71.82% | 71.31% | 69.51% | 71.95% | 68.22% | 84.31% | +1,300 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.26% | 9.50% | 10.33% | 4.73% | 6.84% | 5.61% | 4.26% | 5.85% | +112 bps | |
| Loan Growth (YoY) | 5.36% | 8.13% | 12.70% | 14.62% | 10.53% | 7.93% | 2.53% | 2.63% | -1,199 bps | |
| Share Growth (YoY) | 3.28% | 9.25% | 8.47% | 3.67% | 5.78% | 2.57% | -3.63% | -2.58% | -625 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.15% | 0.13% | 0.00% | 0.01% | 0.02% | 0.01% | 0.09% | 0.09% | +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 | 0.32% | 0.30% | 0.29% | 0.27% | 0.27% | 0.23% | 0.22% | 0.22% | -5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.09% | 12.00% | 12.11% | 12.83% | 12.68% | 12.69% | 13.04% | 12.74% | -9 bps | |
| Net Worth / Assets | 12.09% | 12.00% | 12.11% | 12.83% | 12.68% | 12.69% | 13.04% | 12.74% | -9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 105.42% | 106.56% | 111.11% | 112.54% | 110.15% | 112.13% | 118.21% | 118.57% | +603 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |