Emsbla
Milwaukee, WI · Charter 68317 · Peer group: credit unions under $1B in assets (n=1,721-1,724)
NCUA · 2 branches
Q4 2024
$86.7MAssets
$63.9MLoans
$70.1MShares
$15.3MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 81% of credit unions under $1B in assets (rank 327 of 1724).
- Widest gap: efficiency ratio trails 94% of credit unions under $1B in assets (rank 1626 of 1721).
- Overall: at or above the peer median on 2 of 7 directional measures.
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 |