Green Bay, WI · Charter 66386
Q4 2008
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 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.21% | 1.01% | 0.37% | 0.39% | 0.08% | -13 bps | |
| Return on Equity | 0.76% | 3.52% | 1.29% | 1.33% | 0.29% | -47 bps | |
| Net Interest Margin | 3.44% | 3.07% | 2.94% | 2.96% | 2.82% | -62 bps | |
| Efficiency Ratio | 78.59% | 67.37% | 87.64% | 86.96% | 97.04% | +1,846 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -12.39% | -10.80% | -6.12% | -6.46% | -2.88% | +952 bps | |
| Loan Growth (YoY) | -4.27% | -8.67% | -5.95% | -13.67% | -10.44% | -617 bps | |
| Share Growth (YoY) | -16.66% | -14.58% | -8.03% | -8.33% | -4.06% | +1,260 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.15% | 1.06% | +106 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.39% | 3.54% | 3.56% | 3.45% | 3.52% | +13 bps | |
| Capital | |||||||
| Risk-Based Capital | 28.12% | 28.59% | 28.71% | 29.31% | 29.00% | +87 bps | |
| Net Worth / Assets | 28.12% | 28.59% | 28.71% | 29.31% | 29.00% | +87 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 109.91% | 106.92% | 109.98% | 105.49% | 102.60% | -732 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |