Green Bay, WI · Charter 66440
NCUA · 1 branch
Q1 2022
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 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.08% | 0.11% | 0.03% | 0.06% | 0.23% | 0.18% | 0.09% | 0.10% | +4 bps | |
| Return on Equity | 0.56% | 0.73% | 0.24% | 0.47% | 1.81% | 1.40% | 0.71% | 0.77% | +30 bps | |
| Net Interest Margin | 3.77% | 3.59% | 3.50% | 3.19% | 3.12% | 3.19% | 3.02% | 2.83% | -36 bps | |
| Efficiency Ratio | 92.20% | 93.81% | 96.22% | 98.67% | 95.05% | 96.17% | 96.92% | 97.75% | -91 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.11% | 11.57% | 17.57% | 20.87% | 15.59% | 10.29% | 13.02% | 2.45% | -1,842 bps | |
| Loan Growth (YoY) | -8.88% | -8.48% | 5.93% | 0.88% | 9.88% | 4.75% | -1.35% | -0.48% | -135 bps | |
| Share Growth (YoY) | 8.53% | 13.62% | 20.89% | 24.74% | 18.12% | 11.89% | 14.94% | 2.82% | -2,192 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.61% | 0.65% | 0.53% | 0.37% | 0.26% | 0.18% | 0.14% | 0.30% | -6 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 | 1.32% | 1.24% | 1.05% | 0.94% | 0.80% | 0.71% | 0.66% | 0.65% | -29 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.70% | 14.36% | 14.05% | 12.89% | 12.83% | 13.12% | 12.52% | 12.68% | -21 bps | |
| Net Worth / Assets | 14.70% | 14.36% | 14.05% | 12.89% | 12.83% | 13.12% | 12.52% | 12.68% | -21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.50% | 74.13% | 77.86% | 68.50% | 69.30% | 69.40% | 66.83% | 66.30% | -220 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |