Neenah, WI · Charter 66657
NCUA · 3 branches
Q4 2018
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.02% | 0.99% | 1.00% | 0.87% | 0.90% | 0.92% | 1.15% | -0.03% | -91 bps | |
| Return on Equity | 5.08% | 4.82% | 4.76% | 4.07% | 4.22% | 4.42% | 5.25% | -0.27% | -434 bps | |
| Net Interest Margin | 2.63% | 2.67% | 2.73% | 2.78% | 2.73% | 2.64% | 2.75% | 2.93% | +15 bps | |
| Efficiency Ratio | 66.87% | 68.48% | 68.33% | 71.47% | 71.29% | 69.73% | 64.77% | 101.27% | +2,979 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.97% | -0.85% | -0.70% | -0.96% | -2.79% | 2.88% | 1.00% | -3.14% | -218 bps | |
| Loan Growth (YoY) | 6.08% | 8.32% | 5.67% | 4.52% | 2.57% | -0.48% | 1.20% | -3.84% | -837 bps | |
| Share Growth (YoY) | 3.07% | -1.50% | -1.25% | -2.32% | -4.01% | 3.52% | 0.75% | 8.53% | +1,085 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.06% | 0.04% | 0.00% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.79% | 0.74% | 0.75% | 0.74% | 0.72% | 0.72% | 0.73% | 0.72% | -1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.00% | 20.53% | 21.11% | 21.48% | 21.40% | 20.75% | 21.87% | 12.20% | -927 bps | |
| Net Worth / Assets | 20.00% | 20.53% | 21.11% | 21.48% | 21.40% | 20.75% | 21.87% | 12.20% | -927 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.46% | 56.15% | 55.90% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |