Oshkosh, WI · Charter 66392
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 2007, 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.
Oshkosh, WI · Charter 66392
Q1 2007
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 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.00% | 0.07% | 0.39% | 0.29% | -0.27% | -27 bps | |
| Return on Equity | 0.01% | 0.31% | 1.62% | 1.15% | -1.04% | -105 bps | |
| Net Interest Margin | 4.88% | 4.81% | 5.00% | 5.28% | 5.19% | +31 bps | |
| Efficiency Ratio | 85.44% | 83.42% | 79.52% | 78.41% | 88.52% | +308 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -15.79% | -10.88% | -11.50% | -6.63% | -8.17% | +762 bps | |
| Loan Growth (YoY) | -3.02% | -3.53% | 7.94% | 5.81% | 3.78% | +680 bps | |
| Share Growth (YoY) | -19.14% | -13.02% | -14.00% | -9.00% | -10.89% | +825 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.71% | 1.46% | 0.86% | 0.55% | 1.55% | -16 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.05% | 0.94% | 0.89% | 0.82% | 1.08% | +2 bps | |
| Capital | |||||||
| Risk-Based Capital | 23.44% | 23.31% | 24.03% | 25.30% | 25.76% | +232 bps | |
| Net Worth / Assets | 23.44% | 23.31% | 24.03% | 25.30% | 25.76% | +232 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 104.12% | 102.40% | 110.70% | 120.09% | 121.25% | +1,713 bps | |
| Liquid Assets / Assets | 19.08% | 0.00% | 0.00% | 0.00% | 0.00% | -1,908 bps | |