Kenosha, WI · Charter 66641
NCUA · 2 branches
Q2 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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.00% | 0.01% | 0.02% | 0.01% | 0.01% | 0.00% | 0.00% | 0.06% | +5 bps | |
| Return on Equity | 0.01% | 0.03% | 0.11% | 0.05% | 0.06% | 0.00% | 0.00% | 0.26% | +21 bps | |
| Net Interest Margin | 1.91% | 2.01% | 2.24% | 2.24% | 2.37% | 2.61% | 3.25% | 3.34% | +110 bps | |
| Efficiency Ratio | 96.28% | 96.14% | 98.99% | 99.50% | 90.44% | 87.91% | 74.58% | 70.38% | -2,912 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.41% | 0.37% | -6.02% | -5.69% | -3.92% | -5.98% | -1.47% | -8.68% | -299 bps | |
| Loan Growth (YoY) | 20.91% | 9.51% | 3.13% | 12.35% | 3.92% | -3.69% | -5.94% | -15.04% | -2,740 bps | |
| Share Growth (YoY) | -4.21% | 0.47% | -7.68% | -7.37% | -5.16% | -7.62% | -1.85% | -10.95% | -358 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.47% | 0.07% | 0.06% | 2.34% | 5.20% | 6.92% | 11.54% | 11.30% | +896 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 | 1.07% | 1.04% | 1.07% | 1.00% | 1.28% | 1.52% | 1.89% | 2.30% | +130 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.92% | 20.43% | 21.60% | 21.31% | 20.75% | 21.73% | 21.92% | 23.36% | +205 bps | |
| Net Worth / Assets | 19.92% | 20.43% | 21.60% | 21.31% | 20.75% | 21.73% | 21.92% | 23.36% | +205 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.12% | 89.42% | 93.81% | 98.61% | 89.98% | 93.22% | 89.90% | 94.08% | -453 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |