Gilman, WI · Charter 67235
Q3 2015
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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.36% | -0.24% | -0.31% | 0.07% | -0.60% | -24 bps | |
| Return on Equity | -2.45% | -1.68% | -2.10% | 0.48% | -3.80% | -135 bps | |
| Net Interest Margin | 2.59% | 2.63% | 3.02% | 3.12% | 2.74% | +15 bps | |
| Efficiency Ratio | 113.29% | 108.93% | 110.11% | 97.69% | 121.05% | +776 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.85% | 5.05% | 0.33% | 3.65% | -9.88% | -1,373 bps | |
| Loan Growth (YoY) | 2.12% | 26.06% | 34.13% | 26.29% | 19.47% | +1,736 bps | |
| Share Growth (YoY) | 5.03% | 6.30% | 0.56% | 4.28% | -11.06% | -1,609 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.06% | 2.50% | 2.84% | 2.80% | 3.88% | +282 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.88% | 1.50% | 1.55% | 1.55% | 1.57% | -31 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.54% | 14.42% | 15.02% | 15.49% | 15.71% | +117 bps | |
| Net Worth / Assets | 14.54% | 14.42% | 15.02% | 15.49% | 15.71% | +117 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 54.35% | 67.23% | 68.62% | 70.66% | 73.01% | +1,866 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |