Stevens Point, WI · Charter 66578
NCUA · 1 branch
Q1 2018
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 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.14% | 0.22% | 0.21% | 0.00% | -30.69% | -3,083 bps | |
| Return on Equity | 0.63% | 0.97% | 0.95% | 0.00% | -189.91% | -19,054 bps | |
| Net Interest Margin | 1.50% | 1.50% | 1.49% | 1.41% | -27.75% | -2,925 bps | |
| Efficiency Ratio | 90.53% | 85.58% | 86.07% | 99.97% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -4.87% | -1.03% | 1.68% | 1.07% | -5.82% | -95 bps | |
| Loan Growth (YoY) | 14.46% | 18.94% | 14.35% | 25.61% | 55.64% | +4,117 bps | |
| Share Growth (YoY) | -6.13% | -1.28% | 2.23% | 1.59% | 2.75% | +888 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.29% | +29 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 10.77% | 10.14% | 9.79% | 9.22% | 6.92% | -385 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.48% | 22.47% | 22.03% | 22.45% | 16.16% | -632 bps | |
| Net Worth / Assets | 22.48% | 22.47% | 22.03% | 22.45% | 16.16% | -632 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 23.99% | 25.36% | 25.58% | 28.05% | 36.34% | +1,235 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |