Madison, WI · Charter 68385
NCUA · 13 branches
Q4 2021
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 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.46% | 0.42% | 0.51% | 0.55% | 1.15% | 0.99% | 0.94% | 0.78% | +23 bps | |
| Return on Equity | 4.12% | 3.98% | 4.78% | 5.15% | 10.77% | 8.86% | 8.43% | 6.95% | +180 bps | |
| Net Interest Margin | 3.03% | 2.83% | 2.83% | 2.77% | 2.62% | 2.67% | 2.65% | 2.63% | -14 bps | |
| Efficiency Ratio | 81.57% | 80.48% | 78.25% | 77.50% | 68.10% | 74.18% | 75.24% | 78.54% | +105 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.38% | 20.87% | 16.84% | 15.84% | 11.64% | 3.08% | 4.30% | 2.26% | -1,359 bps | |
| Loan Growth (YoY) | 10.37% | 6.26% | 0.87% | -4.09% | -4.94% | -3.31% | -1.24% | 4.37% | +846 bps | |
| Share Growth (YoY) | 11.99% | 18.53% | 17.67% | 16.21% | 10.82% | 1.52% | 3.21% | 3.71% | -1,250 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.40% | 0.33% | 0.32% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.49% | 0.49% | 0.52% | 0.54% | 0.53% | 0.48% | 0.47% | 0.44% | -10 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.12% | 10.60% | 10.75% | 10.63% | 10.68% | 11.12% | 11.19% | 11.17% | +54 bps | |
| Net Worth / Assets | 11.12% | 10.60% | 10.75% | 10.63% | 10.68% | 11.12% | 11.19% | 11.17% | +54 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 90.76% | 85.79% | 85.16% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |