Waupun, WI · Charter 66697
NCUA · 1 branch
Q2 2018
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.07% | 0.05% | 0.17% | 0.11% | 0.15% | 0.18% | 0.17% | 0.14% | +3 bps | |
| Return on Equity | 0.43% | 0.31% | 0.97% | 0.65% | 0.82% | 0.93% | 0.89% | 0.53% | -12 bps | |
| Net Interest Margin | 1.82% | 1.87% | 2.01% | 2.02% | 2.04% | 2.21% | 2.20% | 3.25% | +123 bps | |
| Efficiency Ratio | 73.05% | 70.98% | 70.14% | 73.40% | 72.00% | 71.27% | 71.85% | 75.60% | +219 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -8.47% | -4.99% | -9.14% | -5.34% | -5.71% | -10.23% | -4.52% | -35.17% | -2,983 bps | |
| Loan Growth (YoY) | -10.91% | -7.19% | -10.47% | 4.75% | -6.06% | -3.97% | -10.66% | -16.52% | -2,127 bps | |
| Share Growth (YoY) | -10.18% | -5.98% | -10.96% | -6.45% | -6.95% | -12.59% | -5.79% | -42.80% | -3,636 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.97% | 8.48% | 7.94% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 4.59% | 5.21% | 5.07% | 5.07% | 4.48% | 4.70% | 5.53% | 3.71% | -135 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.58% | 16.92% | 17.82% | 17.60% | 17.69% | 19.02% | 18.84% | 27.38% | +978 bps | |
| Net Worth / Assets | 16.58% | 16.92% | 17.82% | 17.60% | 17.69% | 19.02% | 18.84% | 27.38% | +978 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.32% | 44.14% | 46.36% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |