Madison, WI · Charter 67008
NCUA · 1 branch
Q3 2023
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 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.03% | 0.06% | 0.42% | 0.43% | 0.46% | 1.04% | 1.16% | 0.46% | +2 bps | |
| Return on Equity | 7.68% | 0.46% | 3.12% | 3.12% | 3.26% | 7.52% | 8.04% | 3.18% | +6 bps | |
| Net Interest Margin | 4.12% | 3.89% | 4.00% | 4.18% | 4.26% | 4.42% | 4.73% | 4.34% | +16 bps | |
| Efficiency Ratio | 80.21% | 90.99% | 85.10% | 85.19% | 86.30% | 82.37% | 81.00% | 88.52% | +333 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.82% | 5.31% | 2.67% | -0.68% | -1.07% | 0.64% | -0.84% | 0.22% | +89 bps | |
| Loan Growth (YoY) | 1.93% | -0.09% | -0.60% | 3.50% | 5.33% | 9.73% | 9.58% | 4.65% | +115 bps | |
| Share Growth (YoY) | 2.12% | 6.31% | 2.79% | -1.33% | -1.85% | -1.15% | -0.83% | 0.41% | +174 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.24% | 1.17% | 1.14% | 1.53% | 1.10% | 1.61% | 1.68% | 1.97% | +44 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 | 0.84% | 0.82% | 0.74% | 0.82% | 0.68% | 0.00% | 0.00% | 0.00% | -82 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.35% | 13.17% | 13.48% | 13.89% | 13.95% | 13.77% | 14.41% | 14.33% | +44 bps | |
| Net Worth / Assets | 13.35% | 13.17% | 13.48% | 13.89% | 13.95% | 13.77% | 14.41% | 14.33% | +44 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.57% | 81.50% | 84.71% | 91.59% | 91.84% | 90.47% | 93.60% | 95.46% | +387 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |