Superior, WI · Charter 67027
NCUA · 1 branch
Q4 2016
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.01% | -0.79% | -0.49% | -0.45% | -16.41% | -1,642 bps | |
| Return on Equity | 0.02% | -3.01% | -1.90% | -1.70% | -151.30% | -15,132 bps | |
| Net Interest Margin | 3.34% | 3.09% | 3.09% | 3.18% | -11.90% | -1,524 bps | |
| Efficiency Ratio | 99.84% | 124.28% | 115.32% | 113.61% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 4.84% | 6.65% | 4.22% | 1.05% | -0.27% | -511 bps | |
| Loan Growth (YoY) | -1.65% | 2.36% | -7.32% | -17.13% | -21.17% | -1,952 bps | |
| Share Growth (YoY) | 6.60% | 9.35% | 6.22% | 1.93% | 22.32% | +1,572 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.41% | 0.00% | 0.00% | 0.00% | 0.00% | -41 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.69% | 0.50% | 0.50% | 0.55% | 0.58% | -11 bps | |
| Capital | |||||||
| Risk-Based Capital | 27.18% | 26.38% | 26.02% | 26.28% | 10.85% | -1,634 bps | |
| Net Worth / Assets | 27.18% | 26.38% | 26.02% | 26.28% | 10.85% | -1,634 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.16% | 72.16% | 70.24% | 65.44% | 52.30% | -2,886 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |