Madison, WI · Charter 66500
NCUA · 1 branch
Q2 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 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.31% | 0.33% | 0.02% | 0.10% | 0.12% | 0.14% | 0.13% | 0.18% | +8 bps | |
| Return on Equity | 1.98% | 1.99% | 0.11% | 0.64% | 0.81% | 0.86% | 0.86% | 1.19% | +55 bps | |
| Net Interest Margin | 3.97% | 4.18% | 3.77% | 3.53% | 3.40% | 3.59% | 2.98% | 2.85% | -68 bps | |
| Efficiency Ratio | 86.24% | 87.64% | 99.55% | 97.21% | 96.47% | 99.67% | 95.61% | 93.72% | -349 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.56% | -3.38% | -6.48% | -1.65% | 4.50% | 3.51% | 7.16% | 3.71% | +536 bps | |
| Loan Growth (YoY) | -8.56% | -16.25% | -18.12% | -21.67% | -19.49% | -20.50% | -21.51% | -10.96% | +1,071 bps | |
| Share Growth (YoY) | -2.43% | -4.59% | -8.06% | -2.16% | 5.09% | 4.03% | 8.28% | 4.22% | +638 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.09% | 0.00% | 0.03% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.61% | 0.65% | 0.69% | 0.52% | 0.53% | 0.37% | 0.39% | 0.37% | -15 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.47% | 16.39% | 16.37% | 15.44% | 14.97% | 15.97% | 15.44% | 15.06% | -38 bps | |
| Net Worth / Assets | 15.47% | 16.39% | 16.37% | 15.44% | 14.97% | 15.97% | 15.44% | 15.06% | -38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.33% | 98.07% | 92.34% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |