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Appletree

West Allis, WI · Charter 66675

NCUA · 2 branches

Q1 2025

$131.9MAssets
$73.5MLoans
$95.3MShares
$35.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.90%, up 20 bps year over year; NIM at 2.25%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 27.05%, down 31 bps from a year ago.
  • Funding: loans stand at 77.17% of shares as of Q1 2025.

Financial Results

Return on Assets (quarter, annualized)

0.90%+20 bps YoY

Net Interest Margin (quarter, annualized)

2.25%+14 bps YoY

Efficiency Ratio (quarter, annualized)

63.06%-917 bps YoY

Net Worth / Assets

27.05%-31 bps YoY

Discrete quarter, annualized.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025YoY ΔTrend
Earnings
Return on Assets0.69%0.79%0.84%0.86%0.90%+20 bps
Return on Equity2.53%2.88%3.05%3.09%3.31%+78 bps
Net Interest Margin2.11%2.17%2.21%2.25%2.25%+14 bps
Efficiency Ratio72.23%68.62%66.92%66.27%63.06%-917 bps
Growth
Asset Growth (YoY)-1.51%0.10%0.77%1.18%4.16%+567 bps
Loan Growth (YoY)-17.79%-16.21%-14.45%-12.82%-11.45%+634 bps
Share Growth (YoY)-3.23%-1.51%0.10%0.65%4.56%+779 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital27.36%27.33%27.62%27.81%27.05%-31 bps
Net Worth / Assets27.36%27.33%27.62%27.81%27.05%-31 bps
Liquidity & Funding
Loans / Shares91.12%88.37%86.09%83.57%77.17%-1,395 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps