Green Bay, WI · Charter 66632
NCUA · 1 branch
Q1 2020
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 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.18% | 0.17% | 0.01% | -0.01% | 0.38% | 0.35% | 0.34% | 0.22% | +23 bps | |
| Return on Equity | 0.95% | 0.89% | 0.05% | -0.06% | 1.92% | 1.73% | 1.63% | 1.08% | +114 bps | |
| Net Interest Margin | 3.28% | 3.35% | 3.37% | 3.54% | 3.64% | 3.68% | 3.76% | 3.45% | -9 bps | |
| Efficiency Ratio | 95.33% | 95.77% | 98.79% | 100.29% | 90.99% | 91.81% | 92.29% | 94.60% | -570 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.66% | -5.55% | -3.35% | -5.61% | -4.21% | -3.80% | -3.03% | -0.86% | +475 bps | |
| Loan Growth (YoY) | 0.04% | 0.98% | 3.63% | 5.21% | 2.30% | -1.02% | -3.71% | -7.58% | -1,279 bps | |
| Share Growth (YoY) | -8.49% | -7.19% | -3.89% | -7.06% | -5.48% | -4.56% | -4.17% | -1.00% | +606 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.01% | 0.15% | 0.17% | 0.13% | 0.45% | 0.16% | 0.56% | 0.24% | +11 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 | 0.62% | 0.62% | 0.66% | 0.65% | 0.60% | 0.61% | 0.61% | 0.63% | -2 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.08% | 19.34% | 19.84% | 19.60% | 20.03% | 20.24% | 20.80% | 20.15% | +55 bps | |
| Net Worth / Assets | 19.08% | 19.34% | 19.84% | 19.60% | 20.03% | 20.24% | 20.80% | 20.15% | +55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 89.32% | 91.73% | 96.68% | 96.03% | 96.67% | 95.13% | 97.15% | 89.65% | -638 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |