Kenosha, WI · Charter 66823
NCUA · 1 branch
Q4 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2017, the quarter ended December 31, 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.
Kenosha, WI · Charter 66823
NCUA · 1 branch
Q4 2017
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 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.30% | 0.19% | 0.18% | 0.23% | 0.25% | -5 bps | |
| Return on Equity | 2.35% | 1.56% | 1.42% | 1.86% | 1.96% | -39 bps | |
| Net Interest Margin | 2.49% | 2.35% | 2.44% | 2.48% | 2.57% | +8 bps | |
| Efficiency Ratio | 89.63% | 92.63% | 93.20% | 91.36% | 91.45% | +182 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.60% | 3.78% | 4.50% | 4.32% | 3.49% | +289 bps | |
| Loan Growth (YoY) | -1.06% | 2.75% | -5.16% | 1.59% | 12.22% | +1,328 bps | |
| Share Growth (YoY) | 0.21% | 3.57% | 5.30% | 4.45% | 3.19% | +298 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.13% | 0.06% | 0.06% | 0.03% | 0.00% | -13 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.48% | 0.41% | 0.43% | 0.43% | 0.38% | -10 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.80% | 12.16% | 12.32% | 12.30% | 12.61% | -18 bps | |
| Net Worth / Assets | 12.80% | 12.16% | 12.32% | 12.30% | 12.61% | -18 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.34% | 53.42% | 52.92% | 55.63% | 60.18% | +484 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |