Milwaukee, WI · Charter 68317
NCUA · 2 branches
Q4 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2024, the quarter ended December 31, 2024, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,721 to 1,724). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
81
Asset Quality
19
Profitability
13
Liquidity
15
Efficiency
6
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Milwaukee, WI · Charter 68317
NCUA · 2 branches
Q4 2024
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 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.12% | 0.12% | 0.27% | 0.28% | -0.65% | -77 bps | |
| Return on Equity | 0.60% | 0.59% | 1.35% | 1.33% | -3.66% | -426 bps | |
| Net Interest Margin | 2.47% | 2.73% | 2.87% | 3.02% | 3.08% | +61 bps | |
| Efficiency Ratio | 94.74% | 90.69% | 89.47% | 89.68% | 106.00% | +1,126 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.67% | -9.42% | -5.23% | -6.10% | -5.01% | +266 bps | |
| Loan Growth (YoY) | -5.91% | -5.04% | -4.59% | -4.31% | -6.03% | -12 bps | |
| Share Growth (YoY) | -4.37% | -6.16% | -4.28% | -6.30% | -1.49% | +288 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.28% | 1.31% | 1.58% | 2.44% | 1.66% | -62 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.99% | 20.21% | 20.25% | 20.73% | 17.68% | -230 bps | |
| Net Worth / Assets | 19.99% | 20.21% | 20.25% | 20.73% | 17.68% | -230 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 95.49% | 93.74% | 91.65% | 95.41% | 91.10% | -440 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Milwaukee, WI · Charter 68317 · Peer group: credit unions under $1B in assets (n=1,721-1,724)
NCUA · 2 branches
Q4 2024
Return on Assets
-0.65%
Rank 1,627 of 1,724
Net Interest Margin
3.08%
Rank 1,264 of 1,723
Efficiency Ratio
106.02%
Rank 1,626 of 1,721
Equity / Assets
17.69%
Rank 326 of 1,723
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.65% | 0.25% | 0.67% | 1.13% | Beats 6% | 1,627 / 1,724 | |
| Return on Equity | -3.66% | 1.95% | 5.34% | 8.54% | Beats 7% | 1,602 / 1,723 | |
| Net Interest Margin | 3.08% | 3.03% | 3.61% | 4.27% | Beats 27% | 1,264 / 1,723 | |
| Efficiency Ratio | 106.02% | 69.84% | 78.36% | 87.50% | Beats 6% | 1,626 / 1,721 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.66% | 0.28% | 0.70% | 1.38% | Beats 19% | 1,391 / 1,721 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 17.68% | 10.16% | 12.41% | 16.03% | Beats 81% | 327 / 1,724 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 17.69% | 10.15% | 12.41% | 16.03% | Beats 81% | 326 / 1,723 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 91.10% | 55.95% | 72.66% | 85.34% | 85th pctl | 257 / 1,722 | |
| Loans / Assets | 73.65% | 47.91% | 62.00% | 72.82% | 77th pctl | 390 / 1,723 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||