Altoona, WI · Charter 24576
Q3 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2001, the quarter ended September 30, 2001, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Altoona, WI · Charter 24576
Q3 2001
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 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | Q3 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.89% | 0.85% | 0.52% | 0.41% | 0.44% | -45 bps | |
| Return on Equity | n/a | 9.22% | 6.06% | 4.64% | 4.85% | n/a | |
| Net Interest Margin | 4.14% | 4.04% | 3.66% | 3.68% | 3.74% | -40 bps | |
| Efficiency Ratio | 78.03% | 78.52% | 83.85% | 86.44% | 86.02% | +799 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.96% | 6.18% | 11.17% | 9.85% | 9.45% | +849 bps | |
| Loan Growth (YoY) | 11.49% | 9.83% | 8.19% | 4.48% | 2.91% | -858 bps | |
| Share Growth (YoY) | 0.18% | 5.80% | 11.33% | 10.11% | 9.84% | +966 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.43% | 0.62% | 0.56% | 0.80% | 0.91% | +47 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.37% | 0.33% | 0.34% | 0.33% | 0.33% | -4 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | 9.20% | 8.66% | 8.79% | 9.00% | n/a | |
| Net Worth / Assets | n/a | 9.20% | 8.66% | 8.79% | 9.00% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 102.16% | 99.76% | 93.43% | 94.53% | 95.72% | -645 bps | |
| Liquid Assets / Assets | 0.00% | 4.41% | 9.72% | 8.56% | 7.81% | +781 bps | |