Superior, WI · Charter 66488
NCUA · 1 branch
Q4 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2016, the quarter ended December 31, 2016, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Superior, WI · Charter 66488
NCUA · 1 branch
Q4 2016
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 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.03% | 0.05% | 0.02% | 0.07% | -4.35% | -438 bps | |
| Return on Equity | 0.22% | 0.32% | 0.15% | 0.49% | -43.44% | -4,366 bps | |
| Net Interest Margin | 3.50% | 3.68% | 3.61% | 3.70% | 0.78% | -272 bps | |
| Efficiency Ratio | 99.12% | 97.93% | 98.55% | 97.31% | 547% | +44,817 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.94% | 5.52% | 2.84% | 0.68% | 2.60% | -434 bps | |
| Loan Growth (YoY) | -1.44% | 1.62% | 4.05% | 5.33% | -1.95% | -51 bps | |
| Share Growth (YoY) | 8.15% | 6.32% | 3.33% | -1.69% | 7.69% | -46 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.39% | 0.38% | 0.99% | 0.33% | 0.71% | +31 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.41% | 0.42% | 0.44% | 0.23% | 0.26% | -15 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.73% | 14.62% | 14.60% | 14.65% | 10.01% | -472 bps | |
| Net Worth / Assets | 14.73% | 14.62% | 14.60% | 14.65% | 10.01% | -472 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 57.61% | 57.58% | 57.04% | 60.47% | 52.45% | -516 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |