Neenah, WI · Charter 66763
NCUA · 1 branch
Q3 2019
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2019, the quarter ended September 30, 2019, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Neenah, WI · Charter 66763
NCUA · 1 branch
Q3 2019
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 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.08% | 0.06% | -0.01% | 0.01% | 0.02% | -0.79% | -0.52% | -0.73% | -75 bps | |
| Return on Equity | 0.85% | 0.65% | -0.06% | 0.15% | 0.24% | -8.81% | -6.13% | -8.61% | -877 bps | |
| Net Interest Margin | 3.65% | 3.35% | 3.31% | 3.23% | 3.37% | 3.25% | 3.23% | 3.41% | +18 bps | |
| Efficiency Ratio | 96.90% | 101.42% | 101.52% | 100.85% | 100.90% | 123.58% | 115.44% | 116.58% | +1,573 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.23% | -4.25% | -5.06% | -2.25% | -1.55% | -4.32% | -0.93% | -5.49% | -324 bps | |
| Loan Growth (YoY) | -1.60% | -5.35% | -9.10% | -14.07% | -11.94% | -3.66% | 2.10% | 3.13% | +1,719 bps | |
| Share Growth (YoY) | -3.68% | -4.70% | -5.55% | -2.39% | -1.67% | -4.56% | -0.84% | -5.62% | -323 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.11% | 1.96% | 1.65% | 1.69% | 0.00% | 0.00% | 1.51% | 1.52% | -17 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 | 0.15% | 0.12% | 0.14% | 0.13% | 0.10% | 0.09% | 0.10% | 0.24% | +11 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.90% | 8.74% | 8.63% | 8.57% | 9.06% | 8.95% | 8.47% | 8.53% | -4 bps | |
| Net Worth / Assets | 8.90% | 8.74% | 8.63% | 8.57% | 9.06% | 8.95% | 8.47% | 8.53% | -4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.36% | 86.79% | 79.36% | 75.29% | 80.93% | 87.61% | 81.71% | 82.27% | +698 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |