Superior, WI · Charter 67090
NCUA · 1 branch
Q4 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2016, the quarter ended December 31, 2016, 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 67090
NCUA · 1 branch
Q4 2016
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 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.14% | 0.08% | 0.11% | 0.04% | -0.06% | 0.12% | 0.33% | -4.93% | -498 bps | |
| Return on Equity | 0.91% | 0.55% | 0.79% | 0.30% | -0.43% | 0.80% | 2.12% | -45.71% | -4,601 bps | |
| Net Interest Margin | 3.33% | 3.14% | 2.91% | 2.85% | 2.86% | 3.34% | 3.41% | -1.02% | -387 bps | |
| Efficiency Ratio | 95.83% | 95.88% | 94.21% | 96.30% | 99.04% | 94.00% | 88.93% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.00% | -5.30% | 4.89% | 7.97% | 8.96% | -0.83% | -7.60% | -12.95% | -2,092 bps | |
| Loan Growth (YoY) | -7.65% | -9.97% | -17.19% | -19.77% | -10.00% | -5.45% | 0.61% | 4.97% | +2,475 bps | |
| Share Growth (YoY) | -7.95% | -5.97% | 5.91% | 9.25% | 10.51% | -1.01% | -9.03% | -9.99% | -1,924 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.13% | 2.76% | 2.75% | 2.82% | 2.54% | 2.40% | 0.00% | 0.00% | -282 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 | 2.16% | 2.25% | 2.42% | 2.69% | 2.64% | 2.60% | 2.56% | 2.67% | -3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.28% | 15.06% | 14.03% | 13.69% | 14.02% | 15.25% | 15.39% | 10.79% | -290 bps | |
| Net Worth / Assets | 15.28% | 15.06% | 14.03% | 13.69% | 14.02% | 15.25% | 15.39% | 10.79% | -290 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 52.24% | 50.45% | 44.11% | 39.60% | 42.55% | 48.18% | 48.79% | 46.18% | +658 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |