Superior, WI · Charter 67065
NCUA · 1 branch
Q1 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2017, the quarter ended March 31, 2017, 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.
Superior, WI · Charter 67065
NCUA · 1 branch
Q1 2017
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 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -2.04% | -1.78% | -1.64% | -1.45% | -1.84% | -1.80% | -2.13% | -2.31% | -87 bps | |
| Return on Equity | -11.31% | -9.95% | -9.05% | -8.13% | -10.73% | -10.75% | -12.70% | -13.15% | -502 bps | |
| Net Interest Margin | 3.22% | 3.25% | 3.27% | 2.94% | 2.85% | 2.81% | 2.98% | 2.79% | -15 bps | |
| Efficiency Ratio | 133.07% | 134.58% | 134.52% | 149.25% | 164.74% | 164.04% | 157.64% | 182.87% | +3,362 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.90% | -7.46% | -7.16% | -8.14% | -3.51% | -2.57% | -4.46% | -11.07% | -293 bps | |
| Loan Growth (YoY) | -4.15% | 0.22% | -0.73% | -2.22% | -9.98% | -11.75% | -12.06% | -23.12% | -2,090 bps | |
| Share Growth (YoY) | -8.12% | -6.75% | -6.91% | -3.23% | -2.07% | -1.16% | -2.91% | -10.79% | -756 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.49% | 4.24% | 3.01% | 4.88% | 7.04% | 2.25% | 4.43% | 2.52% | -236 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 | 2.78% | 2.68% | 2.58% | 2.54% | 2.74% | 2.70% | 3.74% | 4.20% | +166 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.04% | 17.89% | 18.08% | 17.81% | 17.19% | 16.74% | 16.79% | 17.59% | -22 bps | |
| Net Worth / Assets | 18.04% | 17.89% | 18.08% | 17.81% | 17.19% | 16.74% | 16.79% | 17.59% | -22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 70.07% | 72.82% | 69.04% | 70.53% | 64.41% | 65.02% | 62.53% | 60.78% | -975 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |