Green Bay, WI · Charter 66674
Q2 2014
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 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.97% | 1.08% | 1.02% | 1.05% | 1.07% | +10 bps | |
| Return on Equity | 10.59% | 11.60% | 11.14% | 11.04% | 10.90% | +31 bps | |
| Net Interest Margin | 3.21% | 3.23% | 3.16% | 3.32% | 3.34% | +14 bps | |
| Efficiency Ratio | 73.38% | 73.80% | 72.66% | 70.24% | 71.74% | -164 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.60% | 8.15% | 12.36% | 6.24% | 5.02% | -257 bps | |
| Loan Growth (YoY) | 7.16% | 14.75% | 19.43% | 17.63% | 12.54% | +539 bps | |
| Share Growth (YoY) | 6.95% | 5.32% | 4.34% | 4.20% | 3.54% | -341 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.36% | 0.41% | 0.57% | 0.42% | 0.61% | +25 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.92% | 0.78% | 0.83% | 0.79% | 0.76% | -15 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.15% | 9.34% | 9.18% | 9.52% | 9.82% | +67 bps | |
| Net Worth / Assets | 9.15% | 9.34% | 9.18% | 9.52% | 9.82% | +67 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 91.70% | 98.98% | 102.28% | 97.57% | 99.67% | +797 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |