Manitowoc, WI · Charter 66444
NCUA · 3 branches
Q3 2024
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.58% | 0.71% | 0.55% | 0.68% | 0.70% | +11 bps | |
| Return on Equity | 4.25% | 4.93% | 3.86% | 4.75% | 6.02% | +177 bps | |
| Net Interest Margin | 3.21% | 3.32% | 3.21% | 3.29% | 3.42% | +21 bps | |
| Efficiency Ratio | 86.17% | 83.46% | 82.07% | 81.80% | 82.02% | -415 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.81% | -0.37% | -0.22% | -0.87% | -1.55% | -336 bps | |
| Loan Growth (YoY) | 4.55% | 3.53% | -1.35% | -4.55% | -3.21% | -776 bps | |
| Share Growth (YoY) | 0.72% | -1.94% | -1.54% | -2.45% | 0.82% | +9 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.01% | 0.07% | 0.10% | 0.02% | 0.46% | +45 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.74% | 14.45% | 14.27% | 14.42% | 11.58% | -216 bps | |
| Net Worth / Assets | 13.74% | 14.45% | 14.27% | 14.42% | 11.58% | -216 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 85.12% | 89.80% | 85.00% | 83.82% | 81.73% | -340 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |