Stevens Point, WI · Charter 66578
NCUA · 1 branch
Q1 2018
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 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.14% | 0.12% | 0.00% | 0.14% | 0.22% | 0.21% | 0.00% | -30.69% | -3,083 bps | |
| Return on Equity | 0.61% | 0.56% | 0.01% | 0.63% | 0.97% | 0.95% | 0.00% | -189.91% | -19,054 bps | |
| Net Interest Margin | 1.41% | 1.44% | 1.47% | 1.50% | 1.50% | 1.49% | 1.41% | -27.75% | -2,925 bps | |
| Efficiency Ratio | 90.46% | 91.41% | 99.89% | 90.53% | 85.58% | 86.07% | 99.97% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.10% | -7.90% | -6.35% | -4.87% | -1.03% | 1.68% | 1.07% | -5.82% | -95 bps | |
| Loan Growth (YoY) | -7.03% | -1.19% | -5.69% | 14.46% | 18.94% | 14.35% | 25.61% | 55.64% | +4,117 bps | |
| Share Growth (YoY) | -10.68% | -10.50% | -8.66% | -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% | 0.00% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 12.06% | 11.20% | 11.58% | 10.77% | 10.14% | 9.79% | 9.22% | 6.92% | -385 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.19% | 22.33% | 22.69% | 22.48% | 22.47% | 22.03% | 22.45% | 16.16% | -632 bps | |
| Net Worth / Assets | 22.19% | 22.33% | 22.69% | 22.48% | 22.47% | 22.03% | 22.45% | 16.16% | -632 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 21.05% | 22.87% | 22.69% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |