Eau Claire, WI · Charter 66776
NCUA · 1 branch
Q2 2021
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 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.03% | 0.03% | 0.03% | 0.02% | 0.01% | -1 bps | |
| Return on Equity | 0.20% | 0.21% | 0.19% | 0.14% | 0.08% | -11 bps | |
| Net Interest Margin | 2.38% | 2.43% | 2.36% | 1.76% | 1.80% | -58 bps | |
| Efficiency Ratio | 98.92% | 98.84% | 98.93% | 120.87% | 124.09% | +2,517 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.08% | -2.54% | 0.19% | 1.40% | -2.77% | -270 bps | |
| Loan Growth (YoY) | -14.77% | -10.95% | -10.55% | -10.31% | -8.37% | +640 bps | |
| Share Growth (YoY) | 0.38% | -2.76% | 0.24% | 1.63% | -3.21% | -359 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.23% | 0.33% | 0.03% | 0.18% | 0.00% | -23 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.76% | 1.76% | 1.86% | 1.69% | 1.44% | -33 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.21% | 13.33% | 13.46% | 13.23% | 13.61% | +40 bps | |
| Net Worth / Assets | 13.21% | 13.33% | 13.46% | 13.23% | 13.61% | +40 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.75% | 56.27% | 53.84% | 52.25% | 52.78% | -297 bps | |
| Liquid Assets / Assets | 0.00% | 99.38% | 0.00% | 99.31% | 99.02% | +9,902 bps | |