Milwaukee, WI · Charter 66394
Q2 2002
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 2000 | Q4 2000 | Q2 2001 | Q4 2001 | Q2 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.57% | 0.92% | 0.97% | 0.80% | -6.93% | -850 bps | |
| Return on Equity | n/a | 4.29% | 4.68% | 3.69% | -45.05% | n/a | |
| Net Interest Margin | 5.26% | 6.54% | 6.37% | 6.22% | 5.55% | +29 bps | |
| Efficiency Ratio | 71.71% | 77.59% | 78.60% | 84.15% | 165.02% | +9,331 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.77% | 2.55% | -1.47% | 4.41% | 6.35% | +158 bps | |
| Loan Growth (YoY) | 29.09% | 39.83% | 33.06% | 12.35% | 13.51% | -1,558 bps | |
| Share Growth (YoY) | 1.64% | -0.58% | -4.12% | 3.82% | 8.07% | +643 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.47% | 3.83% | 1.49% | 1.62% | 4.56% | +209 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.88% | 0.76% | 0.76% | 0.54% | 2.76% | +187 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | 21.54% | 20.79% | 21.66% | 15.39% | n/a | |
| Net Worth / Assets | n/a | 21.54% | 20.79% | 21.66% | 15.39% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 93.85% | 117.95% | 104.03% | 101.75% | 98.58% | +472 bps | |
| Liquid Assets / Assets | 19.82% | 8.27% | 17.12% | 19.44% | 20.57% | +75 bps | |