Superior, WI · Charter 67090
NCUA · 1 branch
Q4 2016
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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.04% | -0.06% | 0.12% | 0.33% | -4.93% | -498 bps | |
| Return on Equity | 0.30% | -0.43% | 0.80% | 2.12% | -45.71% | -4,601 bps | |
| Net Interest Margin | 2.85% | 2.86% | 3.34% | 3.41% | -1.02% | -387 bps | |
| Efficiency Ratio | 96.30% | 99.04% | 94.00% | 88.93% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 7.97% | 8.96% | -0.83% | -7.60% | -12.95% | -2,092 bps | |
| Loan Growth (YoY) | -19.77% | -10.00% | -5.45% | 0.61% | 4.97% | +2,475 bps | |
| Share Growth (YoY) | 9.25% | 10.51% | -1.01% | -9.03% | -9.99% | -1,924 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 2.69% | 2.64% | 2.60% | 2.56% | 2.67% | -3 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.69% | 14.02% | 15.25% | 15.39% | 10.79% | -290 bps | |
| Net Worth / Assets | 13.69% | 14.02% | 15.25% | 15.39% | 10.79% | -290 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |