Madison, WI · Charter 66884
NCUA · 4 branches
Q4 2021
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2021, the quarter ended December 31, 2021, 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.
Madison, WI · Charter 66884
NCUA · 4 branches
Q4 2021
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 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.01% | -0.13% | 0.11% | 0.12% | 0.07% | 0.39% | 0.49% | 1.05% | +93 bps | |
| Return on Equity | 0.11% | -1.78% | 1.42% | 1.57% | 1.02% | 5.36% | 6.50% | 13.01% | +1,144 bps | |
| Net Interest Margin | 3.07% | 2.79% | 2.79% | 2.85% | 2.49% | 2.46% | 2.48% | 2.41% | -44 bps | |
| Efficiency Ratio | 90.06% | 93.13% | 93.33% | 94.69% | 99.97% | 96.64% | 94.36% | 79.99% | -1,470 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.81% | 7.08% | 5.84% | 5.91% | 10.42% | 4.32% | 5.86% | 7.31% | +141 bps | |
| Loan Growth (YoY) | -6.75% | -2.58% | 1.06% | 0.68% | 2.05% | 3.59% | 1.33% | -2.77% | -344 bps | |
| Share Growth (YoY) | 1.18% | 8.02% | 6.70% | 6.20% | 11.74% | 4.42% | 5.81% | 7.31% | +112 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.35% | 1.01% | 0.95% | 0.74% | 0.67% | 0.72% | 0.62% | 0.57% | -17 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 | 1.53% | 1.60% | 1.38% | 1.27% | 1.19% | 0.98% | 0.94% | 0.83% | -45 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.82% | 7.23% | 7.50% | 7.52% | 7.21% | 7.30% | 7.48% | 8.06% | +54 bps | |
| Net Worth / Assets | 7.82% | 7.23% | 7.50% | 7.52% | 7.21% | 7.30% | 7.48% | 8.06% | +54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 75.07% | 70.31% | 71.40% | 70.81% | 68.56% | 69.75% | 68.38% | 64.16% | -665 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |