Eau Claire, WI · Charter 66666
Q4 2013
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 2012 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.18% | 0.02% | -0.35% | -0.64% | -0.68% | -50 bps | |
| Return on Equity | -1.21% | 0.17% | -2.52% | -4.69% | -4.97% | -375 bps | |
| Net Interest Margin | 3.10% | 2.60% | 2.67% | 2.57% | 2.56% | -55 bps | |
| Efficiency Ratio | 107.73% | 116.38% | 116.71% | 124.08% | 120.29% | +1,257 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.23% | 2.58% | 3.13% | 3.39% | 3.68% | +145 bps | |
| Loan Growth (YoY) | 0.97% | 1.80% | -11.91% | -10.04% | -21.39% | -2,236 bps | |
| Share Growth (YoY) | 2.85% | 3.00% | 4.17% | 4.42% | 5.17% | +232 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.16% | 0.15% | 0.92% | 0.73% | 1.24% | +108 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.34% | 0.05% | 0.20% | 0.33% | 0.80% | +46 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.85% | 14.36% | 14.04% | 13.68% | 13.65% | -121 bps | |
| Net Worth / Assets | 14.85% | 14.36% | 14.04% | 13.68% | 13.65% | -121 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 48.57% | 43.25% | 42.03% | 41.67% | 36.30% | -1,226 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |