Madison, WI · Charter 66385
Q2 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2012, the quarter ended June 30, 2012, 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.
Madison, WI · Charter 66385
Q2 2012
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 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.03% | 0.38% | -0.99% | -2.75% | -3.92% | -395 bps | |
| Return on Equity | 0.21% | 2.47% | -6.53% | -19.39% | -29.57% | -2,978 bps | |
| Net Interest Margin | 4.21% | 4.14% | 4.01% | 3.53% | 3.21% | -100 bps | |
| Efficiency Ratio | 98.25% | 90.88% | 120.46% | 101.32% | 144.10% | +4,585 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.47% | -6.75% | -4.00% | 2.79% | -3.45% | +401 bps | |
| Loan Growth (YoY) | 0.55% | -4.92% | -21.03% | -24.88% | -24.24% | -2,479 bps | |
| Share Growth (YoY) | -8.32% | -7.79% | -3.98% | 5.35% | -0.88% | +744 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.83% | 1.19% | 1.53% | 0.21% | 0.19% | -64 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.49% | 0.51% | 0.64% | 0.99% | 1.97% | +148 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.64% | 15.53% | 15.11% | 14.16% | 13.24% | -240 bps | |
| Net Worth / Assets | 15.64% | 15.53% | 15.11% | 14.16% | 13.24% | -240 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.57% | 62.98% | 59.49% | 51.90% | 50.88% | -1,569 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |