Madison, WI · Charter 66500
NCUA · 1 branch
Q2 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2021, the quarter ended June 30, 2021, 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.
Madison, WI · Charter 66500
NCUA · 1 branch
Q2 2021
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 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.10% | 0.12% | 0.14% | 0.13% | 0.18% | +8 bps | |
| Return on Equity | 0.64% | 0.81% | 0.86% | 0.86% | 1.19% | +55 bps | |
| Net Interest Margin | 3.53% | 3.40% | 3.59% | 2.98% | 2.85% | -68 bps | |
| Efficiency Ratio | 97.21% | 96.47% | 99.67% | 95.61% | 93.72% | -349 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.65% | 4.50% | 3.51% | 7.16% | 3.71% | +536 bps | |
| Loan Growth (YoY) | -21.67% | -19.49% | -20.50% | -21.51% | -10.96% | +1,071 bps | |
| Share Growth (YoY) | -2.16% | 5.09% | 4.03% | 8.28% | 4.22% | +638 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.01% | 0.00% | 0.00% | 0.00% | 0.26% | +25 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.52% | 0.53% | 0.37% | 0.39% | 0.37% | -15 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.44% | 14.97% | 15.97% | 15.44% | 15.06% | -38 bps | |
| Net Worth / Assets | 15.44% | 14.97% | 15.97% | 15.44% | 15.06% | -38 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.44% | 74.57% | 74.95% | 66.94% | 67.87% | -1,157 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |