Milwaukee, WI · Charter 66396
Q4 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1999, the quarter ended December 31, 1999, 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.
Milwaukee, WI · Charter 66396
Q4 1999
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 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.91% | 3.81% | 4.19% | 3.35% | -1.26% | -518 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | 4.91% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 124.46% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 12.55% | 10.00% | 4.19% | -0.25% | -8.28% | -2,083 bps | |
| Loan Growth (YoY) | 1.74% | 4.23% | -3.56% | -10.64% | -19.04% | -2,079 bps | |
| Share Growth (YoY) | 13.99% | 11.11% | 2.86% | -2.32% | -12.05% | -2,604 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.67% | 4.20% | 2.10% | 1.26% | 0.55% | -112 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.03% | 1.25% | 1.18% | 1.11% | 0.95% | -8 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.72% | 83.47% | 81.60% | 74.92% | 82.59% | -713 bps | |
| Liquid Assets / Assets | 20.16% | 25.35% | 29.48% | 31.57% | 0.46% | -1,970 bps | |