Oshkosh, WI · Charter 66474
NCUA · 1 branch
Q4 2019
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 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.09% | -0.14% | 0.03% | 0.20% | 0.13% | +4 bps | |
| Return on Equity | 0.58% | -0.94% | 0.20% | 1.28% | 0.83% | +24 bps | |
| Net Interest Margin | 3.08% | 2.91% | 3.04% | 3.13% | 3.19% | +11 bps | |
| Efficiency Ratio | 98.62% | 103.59% | 99.25% | 93.87% | 95.19% | -343 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.02% | -0.75% | -3.30% | -0.01% | 0.33% | +535 bps | |
| Loan Growth (YoY) | 3.84% | 2.28% | -0.25% | -2.68% | 1.08% | -276 bps | |
| Share Growth (YoY) | -5.89% | -1.11% | -4.09% | 0.45% | 0.30% | +620 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.48% | 0.54% | 0.61% | 0.49% | 0.60% | +12 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.75% | 0.65% | 0.59% | 0.64% | 0.60% | -16 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.72% | 15.12% | 15.43% | 15.70% | 15.80% | +8 bps | |
| Net Worth / Assets | 15.72% | 15.12% | 15.43% | 15.70% | 15.80% | +8 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.75% | 45.07% | 45.97% | 46.54% | 48.12% | +37 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |