La Crosse, WI · Charter 66463
Q2 2014
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.41% | -0.25% | -0.08% | -0.01% | 0.15% | +56 bps | |
| Return on Equity | -3.41% | -2.13% | -0.64% | -0.08% | 1.21% | +462 bps | |
| Net Interest Margin | 2.94% | 2.92% | 3.01% | 3.14% | 3.17% | +23 bps | |
| Efficiency Ratio | 110.41% | 105.86% | 101.19% | 100.26% | 94.21% | -1,620 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.60% | 10.53% | 5.05% | -1.21% | -0.03% | -562 bps | |
| Loan Growth (YoY) | 4.28% | 7.91% | 9.61% | 3.17% | 1.22% | -306 bps | |
| Share Growth (YoY) | 6.80% | 11.42% | 6.01% | -1.37% | -0.01% | -681 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.98% | 0.19% | 0.07% | 0.17% | 0.29% | -69 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.42% | 0.40% | 0.41% | 0.43% | 0.47% | +5 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.15% | 11.88% | 12.12% | 12.20% | 12.36% | +21 bps | |
| Net Worth / Assets | 12.15% | 11.88% | 12.12% | 12.20% | 12.36% | +21 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.04% | 67.25% | 67.89% | 66.71% | 67.86% | +83 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |