Elm Grove, WI · Charter 66880
NCUA · 2 branches
Q3 2024
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 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.94% | 0.65% | 0.82% | 0.70% | 0.78% | 0.64% | 0.80% | 0.86% | +15 bps | |
| Return on Equity | 10.25% | 7.24% | 8.61% | 6.92% | 7.56% | 6.26% | 7.79% | 8.09% | +117 bps | |
| Net Interest Margin | 2.88% | 3.29% | 3.49% | 3.66% | 3.66% | 3.70% | 3.82% | 3.92% | +26 bps | |
| Efficiency Ratio | 76.11% | 81.09% | 78.63% | 81.80% | 80.00% | 82.95% | 79.16% | 78.92% | -288 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.37% | 0.29% | -2.75% | -6.12% | -3.26% | -3.91% | -0.12% | 4.94% | +1,106 bps | |
| Loan Growth (YoY) | 22.01% | 19.50% | 16.67% | 13.63% | 7.99% | 3.87% | -0.13% | -5.01% | -1,864 bps | |
| Share Growth (YoY) | -0.06% | -1.12% | -2.95% | -7.14% | -5.07% | -5.05% | -1.43% | 2.32% | +946 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.59% | 0.35% | 0.32% | 1.18% | 0.33% | 0.32% | 0.03% | 0.17% | -101 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 | 0.28% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.22% | 9.04% | 9.55% | 10.16% | 10.30% | 10.14% | 10.29% | 10.56% | +41 bps | |
| Net Worth / Assets | 9.22% | 9.04% | 9.55% | 10.16% | 10.30% | 10.14% | 10.29% | 10.56% | +41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.93% | 52.27% | 56.10% | 61.53% | 61.35% | 57.17% | 56.84% | 57.13% | -440 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |