Janesville, WI · Charter 66992
NCUA · 2 branches
Q3 2017
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.37% | 2.60% | 1.47% | 1.10% | 0.82% | -0.25% | 0.19% | -0.21% | -131 bps | |
| Return on Equity | 4.56% | 31.62% | 17.73% | 13.28% | 10.00% | -3.21% | 2.39% | -2.76% | -1,604 bps | |
| Net Interest Margin | 2.75% | 2.48% | 2.54% | 2.57% | 2.61% | 2.87% | 2.97% | 2.98% | +41 bps | |
| Efficiency Ratio | 95.97% | 57.80% | 69.32% | 74.18% | 78.28% | 97.14% | 90.65% | 101.26% | +2,708 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.22% | 29.60% | 28.67% | 27.53% | 26.87% | 2.70% | 2.15% | 1.20% | -2,632 bps | |
| Loan Growth (YoY) | 8.22% | 16.57% | 18.91% | 20.99% | 30.61% | 23.34% | 17.25% | 12.84% | -815 bps | |
| Share Growth (YoY) | 8.59% | 29.16% | 25.86% | 27.57% | 25.03% | 5.74% | 6.11% | 4.14% | -2,343 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.87% | 0.72% | 1.16% | 0.48% | 1.04% | 0.54% | 0.95% | 0.65% | +16 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 | 1.04% | 0.88% | 0.82% | 0.68% | 0.71% | 0.73% | 0.69% | 0.60% | -9 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.15% | 8.23% | 8.31% | 8.29% | 8.19% | 7.77% | 7.98% | 7.69% | -61 bps | |
| Net Worth / Assets | 8.15% | 8.23% | 8.31% | 8.29% | 8.19% | 7.77% | 7.98% | 7.69% | -61 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.02% | 71.24% | 75.87% | 77.20% | 83.58% | 83.10% | 83.84% | 83.65% | +645 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |