Milwaukee, WI · Charter 66413
Q3 2011
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2011, the quarter ended September 30, 2011, 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 66413
Q3 2011
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 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.73% | -1.28% | -0.33% | -0.55% | -0.47% | +126 bps | |
| Return on Equity | -15.61% | -12.31% | -3.22% | -5.47% | -4.58% | +1,103 bps | |
| Net Interest Margin | 4.99% | 4.91% | 4.60% | 4.60% | 4.74% | -26 bps | |
| Efficiency Ratio | 103.47% | 104.85% | 98.38% | 101.38% | 99.11% | -436 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.82% | -4.33% | -5.15% | -4.31% | -6.01% | -119 bps | |
| Loan Growth (YoY) | -1.53% | 1.08% | -8.66% | -6.13% | -7.02% | -549 bps | |
| Share Growth (YoY) | -1.41% | -0.02% | -1.51% | -2.95% | -5.20% | -378 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.61% | 1.59% | 2.07% | 2.03% | 0.99% | -263 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.72% | 1.34% | 1.71% | 1.60% | 1.32% | -39 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.07% | 10.40% | 10.11% | 9.98% | 10.19% | -88 bps | |
| Net Worth / Assets | 11.07% | 10.40% | 10.11% | 9.98% | 10.19% | -88 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.51% | 80.22% | 76.80% | 76.81% | 77.98% | -153 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |