Oshkosh, WI · Charter 66418
NCUA · 1 branch
Q1 2025
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 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.31% | 0.39% | 0.28% | 1.05% | 1.03% | 0.39% | 1.57% | 1.07% | +2 bps | |
| Return on Equity | 4.31% | 5.49% | 3.91% | 13.89% | 13.08% | 5.49% | 16.49% | 11.00% | -289 bps | |
| Net Interest Margin | 4.05% | 4.07% | 4.17% | 4.77% | 5.04% | 4.07% | 5.48% | 4.62% | -15 bps | |
| Efficiency Ratio | 92.49% | 90.55% | 86.85% | 75.30% | 76.39% | 90.55% | 69.21% | 77.79% | +249 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.86% | -1.26% | 3.15% | -3.18% | -0.34% | 0.00% | -10.45% | -7.62% | -444 bps | |
| Loan Growth (YoY) | 0.60% | -0.34% | -0.79% | 0.82% | -0.77% | 0.00% | -2.15% | -3.66% | -448 bps | |
| Share Growth (YoY) | -6.64% | -1.84% | 3.09% | -3.55% | 0.15% | 0.00% | -12.48% | -9.78% | -623 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.63% | 0.66% | 0.00% | 0.00% | 0.00% | 0.66% | 0.00% | 0.44% | +44 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 | 0.22% | 0.23% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.14% | 7.17% | 7.06% | 7.54% | 7.85% | 7.17% | 9.49% | 9.70% | +216 bps | |
| Net Worth / Assets | 7.14% | 7.17% | 7.06% | 7.54% | 7.85% | 7.17% | 9.49% | 9.70% | +216 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.74% | 68.99% | 67.18% | 69.27% | 70.09% | 68.99% | 75.11% | 73.97% | +470 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |