Wisconsin Rapid, WI · Charter 66861
NCUA · 3 branches
Q3 2018
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 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.76% | 0.46% | 0.66% | 0.64% | 0.73% | 1.16% | 1.08% | 0.07% | -57 bps | |
| Return on Equity | 7.59% | 4.74% | 6.63% | 6.34% | 7.01% | 11.25% | 10.23% | 0.73% | -561 bps | |
| Net Interest Margin | 2.99% | 3.02% | 3.03% | 3.05% | 3.17% | 3.48% | 3.52% | 3.63% | +59 bps | |
| Efficiency Ratio | 77.79% | 81.05% | 80.15% | 78.74% | 77.30% | 73.35% | 72.93% | 92.12% | +1,338 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.46% | 5.47% | 6.69% | 3.22% | 2.68% | 3.29% | 2.94% | 1.15% | -207 bps | |
| Loan Growth (YoY) | 2.84% | 2.92% | -15.33% | 7.10% | 7.52% | 9.14% | 25.81% | -3.24% | -1,033 bps | |
| Share Growth (YoY) | 2.81% | 4.97% | 6.60% | 2.10% | 1.79% | 2.21% | 1.45% | -0.22% | -233 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.71% | 1.54% | 1.53% | 1.40% | 1.24% | 0.77% | 0.60% | 0.67% | -73 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 | 0.53% | 0.67% | 0.77% | 0.79% | 0.71% | 0.67% | 0.71% | 0.71% | -8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.99% | 9.76% | 9.90% | 10.12% | 10.46% | 10.33% | 10.53% | 10.30% | +18 bps | |
| Net Worth / Assets | 9.99% | 9.76% | 9.90% | 10.12% | 10.46% | 10.33% | 10.53% | 10.30% | +18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.21% | 69.94% | 58.76% | 74.98% | 79.44% | 74.68% | 72.86% | 72.72% | -227 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |