Beloit, WI · Charter 66994
Q4 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2015, the quarter ended December 31, 2015, 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.
Beloit, WI · Charter 66994
Q4 2015
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.06% | -0.14% | -0.12% | -0.12% | -2.52% | -258 bps | |
| Return on Equity | 0.47% | -1.25% | -1.08% | -1.10% | -29.99% | -3,045 bps | |
| Net Interest Margin | 1.97% | 1.76% | 1.80% | 1.80% | 0.79% | -118 bps | |
| Efficiency Ratio | 98.22% | 105.23% | 104.40% | 104.42% | 246% | +14,731 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.69% | 2.45% | 2.31% | 1.39% | 8.90% | +622 bps | |
| Loan Growth (YoY) | -4.96% | -7.36% | -2.25% | -3.05% | -9.84% | -488 bps | |
| Share Growth (YoY) | 3.00% | 2.79% | 2.35% | 1.56% | 11.29% | +829 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.29% | 0.70% | 0.17% | 0.17% | 0.16% | -13 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.58% | 0.62% | 0.59% | 0.56% | 0.56% | -2 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.90% | 11.17% | 11.29% | 11.20% | 8.41% | -349 bps | |
| Net Worth / Assets | 11.90% | 11.17% | 11.29% | 11.20% | 8.41% | -349 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 43.82% | 38.68% | 40.31% | 38.93% | 35.50% | -832 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |