Neenah, WI · Charter 66426
NCUA · 1 branch
Q2 2021
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.63% | -0.75% | -0.80% | -0.20% | 0.00% | 0.10% | 0.07% | -0.13% | +8 bps | |
| Return on Equity | -5.20% | -6.54% | -6.96% | -1.87% | -0.01% | 0.89% | 0.69% | -1.20% | +67 bps | |
| Net Interest Margin | 2.49% | 2.48% | 2.39% | 2.38% | 2.34% | 2.37% | 2.14% | 2.11% | -27 bps | |
| Efficiency Ratio | 122.74% | 119.79% | 131.02% | 112.23% | 108.68% | 105.96% | 98.10% | 105.29% | -694 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.83% | -0.76% | -3.28% | 3.71% | 7.86% | 3.40% | 8.54% | 3.40% | -31 bps | |
| Loan Growth (YoY) | 0.31% | 3.84% | 5.95% | 2.26% | 0.44% | 0.74% | 1.53% | 3.70% | +144 bps | |
| Share Growth (YoY) | -4.99% | -0.01% | -3.03% | 4.79% | 9.28% | 3.76% | 9.30% | 3.73% | -106 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.02% | 0.92% | 0.89% | 0.49% | 0.56% | 0.48% | 0.46% | 0.40% | -9 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 | 0.43% | 0.67% | 0.67% | 0.59% | 0.41% | 0.27% | 0.25% | 0.24% | -35 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.04% | 11.49% | 11.46% | 10.86% | 10.89% | 11.21% | 10.85% | 10.64% | -23 bps | |
| Net Worth / Assets | 12.04% | 11.49% | 11.46% | 10.86% | 10.89% | 11.21% | 10.85% | 10.64% | -23 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.85% | 75.72% | 77.13% | 71.96% | 69.71% | 73.52% | 71.65% | 71.94% | -2 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |