Superior, WI · Charter 67065
NCUA · 1 branch
Q1 2017
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 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.45% | -1.84% | -1.80% | -2.13% | -2.31% | -87 bps | |
| Return on Equity | -8.13% | -10.73% | -10.75% | -12.70% | -13.15% | -502 bps | |
| Net Interest Margin | 2.94% | 2.85% | 2.81% | 2.98% | 2.79% | -15 bps | |
| Efficiency Ratio | 149.25% | 164.74% | 164.04% | 157.64% | 182.87% | +3,362 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.14% | -3.51% | -2.57% | -4.46% | -11.07% | -293 bps | |
| Loan Growth (YoY) | -2.22% | -9.98% | -11.75% | -12.06% | -23.12% | -2,090 bps | |
| Share Growth (YoY) | -3.23% | -2.07% | -1.16% | -2.91% | -10.79% | -756 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 2.54% | 2.74% | 2.70% | 3.74% | 4.20% | +166 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.81% | 17.19% | 16.74% | 16.79% | 17.59% | -22 bps | |
| Net Worth / Assets | 17.81% | 17.19% | 16.74% | 16.79% | 17.59% | -22 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |