Kenosha, WI · Charter 66511
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.
Kenosha, WI · Charter 66511
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 | -1.41% | -1.28% | -0.85% | -1.15% | 0.91% | 0.36% | 0.30% | 0.14% | +129 bps | |
| Return on Equity | -11.08% | -10.17% | -6.91% | -9.60% | 7.71% | 3.05% | 2.49% | 1.14% | +1,074 bps | |
| Net Interest Margin | 1.75% | 1.77% | 1.74% | 1.78% | 1.68% | 1.75% | 1.81% | 1.85% | +7 bps | |
| Efficiency Ratio | 108.64% | 101.74% | 101.88% | 100.90% | 110.72% | 105.04% | 100.73% | 99.94% | -96 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.41% | -4.61% | 1.09% | 1.60% | 3.32% | 2.69% | 0.11% | 0.83% | -77 bps | |
| Loan Growth (YoY) | -3.84% | -13.56% | -21.26% | -21.69% | -21.34% | -6.62% | -8.04% | -4.16% | +1,752 bps | |
| Share Growth (YoY) | -7.13% | -4.70% | 1.87% | 3.20% | 4.40% | 3.42% | 0.35% | 0.75% | -246 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 6.99% | 7.60% | 6.28% | 6.62% | 0.13% | 0.51% | 0.00% | 0.00% | -662 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 | 1.95% | 3.89% | 2.30% | 5.45% | 0.77% | 0.87% | 0.74% | 1.60% | -385 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.76% | 12.55% | 12.24% | 11.99% | 11.81% | 11.90% | 11.95% | 12.03% | +4 bps | |
| Net Worth / Assets | 12.76% | 12.55% | 12.24% | 11.99% | 11.81% | 11.90% | 11.95% | 12.03% | +4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 23.17% | 21.51% | 19.52% | 18.83% | 17.46% | 19.42% | 17.89% | 17.91% | -92 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |