Oshkosh, WI · Charter 66805
Q4 2015
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 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.08% | 0.11% | -0.01% | 0.17% | -0.01% | -9 bps | |
| Return on Equity | 1.11% | 1.51% | -0.15% | 2.33% | -0.15% | -125 bps | |
| Net Interest Margin | 2.74% | 2.68% | 2.70% | 2.79% | 2.81% | +7 bps | |
| Efficiency Ratio | 96.40% | 91.29% | 104.43% | 95.37% | 95.68% | -73 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.03% | 4.31% | 1.04% | 2.65% | -1.34% | -237 bps | |
| Loan Growth (YoY) | -4.75% | -2.45% | -2.53% | -1.72% | -5.29% | -54 bps | |
| Share Growth (YoY) | 1.17% | 4.20% | -1.50% | 2.40% | -1.93% | -310 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.97% | 1.24% | 1.36% | 0.44% | 1.67% | -31 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.31% | 0.34% | 0.24% | 0.19% | 0.44% | +13 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.46% | 7.23% | 7.05% | 7.41% | 7.44% | -2 bps | |
| Net Worth / Assets | 7.46% | 7.23% | 7.05% | 7.41% | 7.44% | -2 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.58% | 80.49% | 80.61% | 81.38% | 79.76% | -283 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |