Superior, WI · Charter 66488
NCUA · 1 branch
Q4 2016
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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.00% | 0.03% | 0.08% | 0.03% | 0.05% | 0.02% | 0.07% | -4.35% | -438 bps | |
| Return on Equity | -0.01% | 0.21% | 0.53% | 0.22% | 0.32% | 0.15% | 0.49% | -43.44% | -4,366 bps | |
| Net Interest Margin | 3.62% | 3.50% | 3.43% | 3.50% | 3.68% | 3.61% | 3.70% | 0.78% | -272 bps | |
| Efficiency Ratio | 100.02% | 99.13% | 97.83% | 99.12% | 97.93% | 98.55% | 97.31% | 547% | +44,817 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.14% | 6.41% | 9.27% | 6.94% | 5.52% | 2.84% | 0.68% | 2.60% | -434 bps | |
| Loan Growth (YoY) | -5.25% | -7.69% | -5.81% | -1.44% | 1.62% | 4.05% | 5.33% | -1.95% | -51 bps | |
| Share Growth (YoY) | 3.16% | 8.22% | 11.47% | 8.15% | 6.32% | 3.33% | -1.69% | 7.69% | -46 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.26% | 0.14% | 0.00% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.47% | 0.48% | 0.41% | 0.41% | 0.42% | 0.44% | 0.23% | 0.26% | -15 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.38% | 14.99% | 14.72% | 14.73% | 14.62% | 14.60% | 14.65% | 10.01% | -472 bps | |
| Net Worth / Assets | 15.38% | 14.99% | 14.72% | 14.73% | 14.62% | 14.60% | 14.65% | 10.01% | -472 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.25% | 56.65% | 56.44% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |