Madison, WI · Charter 66564
NCUA · 2 branches
Q2 2023
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.29% | -0.46% | 0.09% | -0.13% | 0.13% | 0.22% | 0.82% | 0.74% | +87 bps | |
| Return on Equity | -2.92% | -4.81% | 0.93% | -1.38% | 1.39% | 2.23% | 8.11% | 6.98% | +836 bps | |
| Net Interest Margin | 2.87% | 2.79% | 2.41% | 2.42% | 2.51% | 2.76% | 3.28% | 3.49% | +108 bps | |
| Efficiency Ratio | 91.68% | 95.62% | 107.90% | 105.89% | 102.45% | 94.86% | 68.22% | 72.41% | -3,348 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.73% | -5.94% | -7.97% | -4.80% | 2.41% | -2.53% | -3.29% | -7.66% | -286 bps | |
| Loan Growth (YoY) | -10.47% | -19.44% | -21.12% | -15.46% | -10.17% | -7.87% | -5.58% | -9.65% | +581 bps | |
| Share Growth (YoY) | -5.00% | -6.15% | -8.27% | -4.99% | 2.83% | -3.05% | -4.07% | -9.27% | -428 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.28% | 0.68% | 0.78% | 0.87% | 0.86% | 0.46% | 0.55% | 0.59% | -28 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 | 0.75% | 0.78% | 0.75% | 0.64% | 0.59% | 0.61% | 0.63% | 0.59% | -5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.78% | 9.54% | 9.41% | 9.18% | 9.41% | 10.01% | 10.14% | 10.61% | +143 bps | |
| Net Worth / Assets | 9.78% | 9.54% | 9.41% | 9.18% | 9.41% | 10.01% | 10.14% | 10.61% | +143 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.10% | 80.78% | 75.08% | 74.48% | 75.22% | 76.77% | 73.90% | 74.17% | -31 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |