Waupun, WI · Charter 66697
NCUA · 1 branch
Q2 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 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.11% | 0.15% | 0.18% | 0.17% | 0.14% | +3 bps | |
| Return on Equity | 0.65% | 0.82% | 0.93% | 0.89% | 0.53% | -12 bps | |
| Net Interest Margin | 2.02% | 2.04% | 2.21% | 2.20% | 3.25% | +123 bps | |
| Efficiency Ratio | 73.40% | 72.00% | 71.27% | 71.85% | 75.60% | +219 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.34% | -5.71% | -10.23% | -4.52% | -35.17% | -2,983 bps | |
| Loan Growth (YoY) | 4.75% | -6.06% | -3.97% | -10.66% | -16.52% | -2,127 bps | |
| Share Growth (YoY) | -6.45% | -6.95% | -12.59% | -5.79% | -42.80% | -3,636 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.14% | 5.38% | 6.16% | 5.79% | 3.90% | -323 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.07% | 4.48% | 4.70% | 5.53% | 3.71% | -135 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.60% | 17.69% | 19.02% | 18.84% | 27.38% | +978 bps | |
| Net Worth / Assets | 17.60% | 17.69% | 19.02% | 18.84% | 27.38% | +978 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 49.90% | 45.76% | 48.49% | 43.96% | 72.83% | +2,292 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |