Medford, WI · Charter 66786
NCUA · 2 branches
Q2 2021
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 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.36% | 0.26% | -1.78% | -0.66% | -0.02% | -0.10% | -0.42% | -2.25% | -159 bps | |
| Return on Equity | 4.51% | 3.34% | -26.08% | -10.38% | -0.27% | -1.48% | -8.07% | -49.83% | -3,945 bps | |
| Net Interest Margin | 3.36% | 3.28% | 3.00% | 2.78% | 2.97% | 2.71% | 2.00% | 1.93% | -84 bps | |
| Efficiency Ratio | 90.35% | 90.63% | 100.24% | 95.79% | 85.63% | 90.08% | 114.60% | 108.74% | +1,295 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.57% | 11.98% | 15.60% | 18.42% | 16.42% | 13.90% | 21.05% | 14.97% | -345 bps | |
| Loan Growth (YoY) | 17.12% | 4.02% | 0.57% | -3.60% | -7.17% | -5.66% | -7.60% | -11.28% | -768 bps | |
| Share Growth (YoY) | 14.45% | 14.97% | 17.42% | 20.99% | 17.78% | 18.36% | 22.23% | 17.65% | -334 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.59% | 1.23% | 1.05% | 0.92% | 0.93% | 0.99% | 1.11% | 0.29% | -63 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 | 0.33% | 0.43% | 0.81% | 0.75% | 0.77% | 0.87% | 0.92% | 1.81% | +107 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.89% | 7.65% | 6.81% | 6.37% | 6.76% | 6.62% | 5.18% | 4.51% | -185 bps | |
| Net Worth / Assets | 7.89% | 7.65% | 6.81% | 6.37% | 6.76% | 6.62% | 5.18% | 4.51% | -185 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 97.99% | 87.09% | 80.82% | 77.14% | 77.24% | 69.42% | 61.10% | 58.17% | -1,897 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |