Madison, WI · Charter 68385
NCUA · 13 branches
Q4 2021
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 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.55% | 1.15% | 0.99% | 0.94% | 0.78% | +23 bps | |
| Return on Equity | 5.15% | 10.77% | 8.86% | 8.43% | 6.95% | +180 bps | |
| Net Interest Margin | 2.77% | 2.62% | 2.67% | 2.65% | 2.63% | -14 bps | |
| Efficiency Ratio | 77.50% | 68.10% | 74.18% | 75.24% | 78.54% | +105 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 15.84% | 11.64% | 3.08% | 4.30% | 2.26% | -1,359 bps | |
| Loan Growth (YoY) | -4.09% | -4.94% | -3.31% | -1.24% | 4.37% | +846 bps | |
| Share Growth (YoY) | 16.21% | 10.82% | 1.52% | 3.21% | 3.71% | -1,250 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.37% | 0.27% | 0.21% | 0.19% | 0.19% | -17 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.54% | 0.53% | 0.48% | 0.47% | 0.44% | -10 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.63% | 10.68% | 11.12% | 11.19% | 11.17% | +54 bps | |
| Net Worth / Assets | 10.63% | 10.68% | 11.12% | 11.19% | 11.17% | +54 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.13% | 77.84% | 81.71% | 81.49% | 82.66% | +53 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |