Appleton, WI · Charter 66379
Q2 2008
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 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.46% | 0.51% | 0.55% | -0.43% | 0.14% | -32 bps | |
| Return on Equity | 3.80% | 3.99% | 4.45% | -3.81% | 1.27% | -253 bps | |
| Net Interest Margin | 4.72% | 4.97% | 4.71% | 4.27% | 4.23% | -49 bps | |
| Efficiency Ratio | 80.52% | 82.83% | 83.76% | 97.29% | 90.09% | +957 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.48% | 3.12% | 7.36% | 12.03% | 11.88% | +640 bps | |
| Loan Growth (YoY) | 0.10% | -0.25% | -0.82% | 2.30% | 11.83% | +1,173 bps | |
| Share Growth (YoY) | 8.53% | 6.31% | 7.34% | 11.60% | 13.32% | +479 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.86% | 2.15% | 1.19% | 1.46% | 1.22% | +37 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.86% | 0.80% | 0.79% | 0.92% | 0.87% | +1 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.23% | 12.82% | 12.28% | 11.39% | 11.25% | -99 bps | |
| Net Worth / Assets | 12.23% | 12.82% | 12.28% | 11.39% | 11.25% | -99 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 94.00% | 101.53% | 91.36% | 88.72% | 92.77% | -124 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |