Baraboo, WI · Charter 66804
NCUA · 1 branch
Q3 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2017, the quarter ended September 30, 2017, 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.
Baraboo, WI · Charter 66804
NCUA · 1 branch
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 | 0.11% | 0.14% | -0.03% | -0.10% | -0.19% | -0.70% | -0.53% | -7.45% | -734 bps | |
| Return on Equity | 0.58% | 0.73% | -0.17% | -0.57% | -1.09% | -3.90% | -3.02% | -55.02% | -5,445 bps | |
| Net Interest Margin | 3.86% | 3.40% | 3.33% | 3.27% | 3.13% | 3.07% | 2.93% | -3.15% | -642 bps | |
| Efficiency Ratio | 96.10% | 94.40% | 98.53% | 100.43% | 103.09% | 115.40% | 110.61% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.20% | 5.40% | 5.77% | 1.70% | 8.64% | 1.52% | 1.96% | -6.59% | -829 bps | |
| Loan Growth (YoY) | -5.47% | -9.50% | -20.86% | -13.08% | -14.72% | -11.51% | -9.78% | 9.36% | +2,243 bps | |
| Share Growth (YoY) | 5.18% | 7.83% | 7.36% | 2.49% | 10.80% | 2.36% | 3.22% | -1.37% | -385 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.23% | 5.57% | 5.81% | 4.27% | 3.48% | 3.36% | 1.00% | 0.52% | -375 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 | 2.85% | 3.00% | 2.44% | 2.44% | 2.66% | 2.78% | 0.98% | 0.69% | -176 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.16% | 18.69% | 18.29% | 17.98% | 17.44% | 18.00% | 17.49% | 13.53% | -444 bps | |
| Net Worth / Assets | 19.16% | 18.69% | 18.29% | 17.98% | 17.44% | 18.00% | 17.49% | 13.53% | -444 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.01% | 74.32% | 67.17% | 67.08% | 61.58% | 64.25% | 58.71% | 74.38% | +729 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |