Milwaukee, WI · Charter 66806
NCUA · 1 branch
Q4 2019
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 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.98% | -2.45% | 0.35% | 3.47% | -3.88% | -486 bps | |
| Return on Equity | 12.84% | -34.23% | 5.01% | 50.79% | -124.20% | -13,704 bps | |
| Net Interest Margin | 6.87% | 5.79% | 6.01% | 6.23% | 6.25% | -62 bps | |
| Efficiency Ratio | 86.85% | 142.34% | 95.08% | 63.51% | 143.91% | +5,706 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -13.12% | -17.51% | 11.24% | 12.00% | 8.89% | +2,201 bps | |
| Loan Growth (YoY) | -23.70% | -17.91% | 53.26% | 49.82% | 59.97% | +8,366 bps | |
| Share Growth (YoY) | -14.91% | -18.44% | 11.52% | 13.65% | 13.89% | +2,880 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.49% | 0.00% | 0.00% | 0.38% | 17.46% | +1,597 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.47% | 5.35% | 3.22% | 3.34% | 3.42% | -205 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.63% | 7.17% | 7.06% | 6.83% | 3.12% | -450 bps | |
| Net Worth / Assets | 7.63% | 7.17% | 7.06% | 6.83% | 3.12% | -450 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 56.55% | 58.92% | 86.13% | 81.61% | 79.42% | +2,287 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |