Appleton, WI · Charter 66729
NCUA · 3 branches
Q3 2017
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 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.09% | 0.19% | -0.14% | -0.24% | -0.12% | 0.04% | 0.15% | -0.33% | -10 bps | |
| Return on Equity | 0.56% | 1.19% | -0.88% | -1.54% | -0.73% | 0.28% | 1.02% | -2.68% | -113 bps | |
| Net Interest Margin | 3.14% | 3.25% | 3.18% | 3.16% | 3.30% | 3.04% | 2.98% | 2.70% | -45 bps | |
| Efficiency Ratio | 93.09% | 96.64% | 101.05% | 102.38% | 100.03% | 99.66% | 95.71% | 100.70% | -167 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.56% | -6.10% | -7.17% | -4.23% | -1.02% | 5.29% | 4.49% | 3.31% | +755 bps | |
| Loan Growth (YoY) | -0.24% | 5.83% | 20.47% | 15.90% | 14.42% | 1.01% | -17.19% | -22.20% | -3,810 bps | |
| Share Growth (YoY) | -1.40% | -8.40% | -8.16% | -4.19% | -1.26% | 7.22% | 5.74% | 3.36% | +755 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.22% | 0.27% | 0.39% | 0.66% | 0.40% | 0.10% | 0.90% | 2.46% | +180 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 | 0.58% | 0.52% | 0.55% | 0.66% | 0.49% | 0.50% | 0.65% | 1.08% | +43 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.10% | 15.69% | 15.70% | 15.30% | 16.15% | 14.76% | 15.06% | 12.48% | -282 bps | |
| Net Worth / Assets | 16.10% | 15.69% | 15.70% | 15.30% | 16.15% | 14.76% | 15.06% | 12.48% | -282 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.12% | 63.70% | 68.46% | 67.00% | 70.83% | 60.01% | 53.62% | 50.43% | -1,657 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |