Hayward, WI · Charter 66881
NCUA · 2 branches
Q4 2022
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 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.82% | 0.58% | 0.55% | 0.41% | 0.13% | 0.08% | 0.24% | 0.21% | -20 bps | |
| Return on Equity | 9.48% | 6.76% | 6.44% | 4.78% | 1.55% | 0.87% | 2.77% | 2.34% | -244 bps | |
| Net Interest Margin | 2.06% | 1.99% | 1.96% | 1.96% | 1.93% | 2.05% | 2.18% | 2.41% | +45 bps | |
| Efficiency Ratio | 80.72% | 87.25% | 88.94% | 92.36% | 93.77% | 96.24% | 91.17% | 93.82% | +146 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 29.52% | 20.65% | 18.50% | 15.86% | 3.32% | 0.52% | -0.80% | -3.74% | -1,960 bps | |
| Loan Growth (YoY) | -1.16% | -4.43% | -6.76% | -8.66% | -1.25% | 11.76% | 17.97% | 21.52% | +3,018 bps | |
| Share Growth (YoY) | 32.16% | 22.26% | 20.15% | 17.74% | 6.12% | 3.92% | 3.75% | -0.28% | -1,801 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.17% | 0.05% | 0.38% | 0.12% | 0.57% | 0.54% | 0.12% | 0.01% | -11 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 | 1.20% | 1.11% | 0.92% | 0.89% | 0.87% | 0.78% | 0.76% | 0.67% | -22 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.70% | 8.58% | 8.51% | 8.56% | 8.65% | 8.70% | 8.76% | 9.10% | +55 bps | |
| Net Worth / Assets | 8.70% | 8.58% | 8.51% | 8.56% | 8.65% | 8.70% | 8.76% | 9.10% | +55 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 45.17% | 43.56% | 41.88% | 40.56% | 42.03% | 46.85% | 47.62% | 49.43% | +887 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |