Oshkosh, WI · Charter 67218
Q4 2014
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 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.00% | 0.02% | -0.17% | -0.20% | -0.31% | -31 bps | |
| Return on Equity | 0.01% | 0.10% | -0.67% | -0.83% | -1.33% | -134 bps | |
| Net Interest Margin | 4.36% | 4.25% | 4.19% | 3.95% | 3.74% | -61 bps | |
| Efficiency Ratio | 99.79% | 99.54% | 103.20% | 103.94% | 106.44% | +664 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.53% | -18.24% | -11.41% | -3.90% | 3.47% | +1,200 bps | |
| Loan Growth (YoY) | 15.46% | 7.86% | -0.54% | -14.14% | -16.12% | -3,158 bps | |
| Share Growth (YoY) | -11.00% | -23.08% | -14.82% | -4.94% | 5.09% | +1,609 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.03% | 0.24% | 0.24% | 0.93% | 0.39% | -64 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.87% | 0.96% | 0.99% | 1.02% | 1.04% | +17 bps | |
| Capital | |||||||
| Risk-Based Capital | 24.64% | 25.22% | 25.39% | 24.38% | 23.50% | -114 bps | |
| Net Worth / Assets | 24.64% | 25.22% | 25.39% | 24.38% | 23.50% | -114 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 102.05% | 95.41% | 93.95% | 86.77% | 81.46% | -2,059 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |