Neenah, WI · Charter 66657
NCUA · 3 branches
Q4 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2018, the quarter ended December 31, 2018, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Neenah, WI · Charter 66657
NCUA · 3 branches
Q4 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 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.87% | 0.90% | 0.92% | 1.15% | -0.03% | -91 bps | |
| Return on Equity | 4.07% | 4.22% | 4.42% | 5.25% | -0.27% | -434 bps | |
| Net Interest Margin | 2.78% | 2.73% | 2.64% | 2.75% | 2.93% | +15 bps | |
| Efficiency Ratio | 71.47% | 71.29% | 69.73% | 64.77% | 101.27% | +2,979 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.96% | -2.79% | 2.88% | 1.00% | -3.14% | -218 bps | |
| Loan Growth (YoY) | 4.52% | 2.57% | -0.48% | 1.20% | -3.84% | -837 bps | |
| Share Growth (YoY) | -2.32% | -4.01% | 3.52% | 0.75% | 8.53% | +1,085 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.03% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.74% | 0.72% | 0.72% | 0.73% | 0.72% | -1 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.48% | 21.40% | 20.75% | 21.87% | 12.20% | -927 bps | |
| Net Worth / Assets | 21.48% | 21.40% | 20.75% | 21.87% | 12.20% | -927 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 58.11% | 57.12% | 53.98% | 56.15% | 51.49% | -663 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |