Madison, WI · Charter 66491
NCUA · 1 branch
Q1 2021
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 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.44% | 0.42% | 0.32% | 0.18% | 0.19% | 0.13% | 0.08% | -12.15% | -1,233 bps | |
| Return on Equity | 1.95% | 1.82% | 1.43% | 0.78% | 0.86% | 0.61% | 0.38% | -64.63% | -6,541 bps | |
| Net Interest Margin | 2.43% | 2.45% | 2.41% | 2.33% | 2.13% | 2.04% | 1.92% | -5.52% | -785 bps | |
| Efficiency Ratio | 99.18% | 95.77% | 96.38% | 98.85% | 99.00% | 100.01% | 101.43% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.54% | -3.95% | -0.53% | 1.07% | 3.17% | 5.95% | 8.02% | 4.06% | +299 bps | |
| Loan Growth (YoY) | -10.22% | -15.62% | -16.16% | -14.41% | -16.54% | -15.47% | -17.09% | -29.12% | -1,470 bps | |
| Share Growth (YoY) | -0.24% | -0.50% | 0.53% | 1.62% | 3.66% | 7.86% | 11.69% | 8.61% | +698 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.79% | 0.19% | 0.02% | 0.12% | 0.00% | 0.00% | 0.01% | 0.01% | -11 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 | 0.69% | 0.74% | 0.77% | 0.78% | 0.75% | 0.75% | 0.76% | 0.48% | -31 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.65% | 22.95% | 22.76% | 22.68% | 22.15% | 21.77% | 21.15% | 18.80% | -388 bps | |
| Net Worth / Assets | 22.65% | 22.95% | 22.76% | 22.68% | 22.15% | 21.77% | 21.15% | 18.80% | -388 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 99.96% | 94.60% | 90.95% | 86.88% | 80.48% | 74.14% | 67.51% | 56.70% | -3,017 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |