Milwaukee, WI · Charter 66414
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 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.
Milwaukee, WI · Charter 66414
Q2 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 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.57% | 0.48% | 0.37% | 0.15% | 0.07% | -49 bps | |
| Return on Equity | 3.15% | 2.62% | 1.98% | 0.78% | 0.39% | -277 bps | |
| Net Interest Margin | 4.12% | 4.11% | 4.21% | 3.98% | 4.05% | -7 bps | |
| Efficiency Ratio | 86.61% | 88.12% | 89.72% | 92.06% | 90.95% | +434 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.52% | -10.87% | -7.67% | -7.20% | -5.84% | +469 bps | |
| Loan Growth (YoY) | -1.11% | 1.11% | -1.25% | -3.56% | -4.87% | -375 bps | |
| Share Growth (YoY) | -13.03% | -13.99% | -11.36% | -9.17% | -8.98% | +405 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.24% | 0.19% | 0.17% | 0.87% | 1.35% | +111 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.32% | 0.32% | 0.30% | 0.35% | 0.35% | +4 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.94% | 18.24% | 18.73% | 18.88% | 19.16% | +123 bps | |
| Net Worth / Assets | 17.94% | 18.24% | 18.73% | 18.88% | 19.16% | +123 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 104.45% | 106.16% | 108.12% | 105.00% | 109.18% | +472 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |