Eau Claire, WI · Charter 66776
NCUA · 1 branch
Q2 2021
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.25% | 0.21% | 0.05% | 0.03% | 0.03% | 0.03% | 0.02% | 0.01% | -1 bps | |
| Return on Equity | 1.90% | 1.58% | 0.35% | 0.20% | 0.21% | 0.19% | 0.14% | 0.08% | -11 bps | |
| Net Interest Margin | 2.56% | 2.58% | 2.43% | 2.38% | 2.43% | 2.36% | 1.76% | 1.80% | -58 bps | |
| Efficiency Ratio | 108.43% | 91.88% | 98.09% | 98.92% | 98.84% | 98.93% | 120.87% | 124.09% | +2,517 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.10% | 4.60% | 2.70% | -0.08% | -2.54% | 0.19% | 1.40% | -2.77% | -270 bps | |
| Loan Growth (YoY) | -6.42% | -10.58% | -8.14% | -14.77% | -10.95% | -10.55% | -10.31% | -8.37% | +640 bps | |
| Share Growth (YoY) | 3.25% | 5.26% | 3.20% | 0.38% | -2.76% | 0.24% | 1.63% | -3.21% | -359 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.15% | 0.15% | 0.04% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 1.57% | 1.67% | 1.69% | 1.76% | 1.76% | 1.86% | 1.69% | 1.44% | -33 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.95% | 13.46% | 13.40% | 13.21% | 13.33% | 13.46% | 13.23% | 13.61% | +40 bps | |
| Net Worth / Assets | 12.95% | 13.46% | 13.40% | 13.21% | 13.33% | 13.46% | 13.23% | 13.61% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 61.45% | 60.33% | 59.21% | 55.75% | 56.27% | 53.84% | 52.25% | 52.78% | -297 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 99.47% | 0.00% | 99.38% | 0.00% | 99.31% | 99.02% | +9,902 bps | |