Beaver Dam, WI · Charter 66417
Q1 2010
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 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.15% | -0.56% | -0.87% | -0.97% | -1.10% | +104 bps | |
| Return on Equity | -5.71% | -1.54% | -2.39% | -2.50% | -3.02% | +268 bps | |
| Net Interest Margin | 3.49% | 3.45% | 3.42% | 3.76% | 3.16% | -33 bps | |
| Efficiency Ratio | 101.46% | 93.54% | 104.58% | 109.53% | 134.84% | +3,338 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.18% | -4.42% | -0.31% | 5.65% | 1.51% | +369 bps | |
| Loan Growth (YoY) | -22.60% | -10.36% | -15.02% | -6.61% | -9.65% | +1,296 bps | |
| Share Growth (YoY) | -3.06% | -6.68% | 0.73% | 11.72% | 3.56% | +661 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.95% | 0.00% | 0.00% | 0.60% | 3.80% | -215 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.23% | 1.13% | 1.43% | 1.38% | 0.88% | -35 bps | |
| Capital | |||||||
| Risk-Based Capital | 37.60% | 36.21% | 36.25% | 38.67% | 36.38% | -122 bps | |
| Net Worth / Assets | 37.60% | 36.21% | 36.25% | 38.67% | 36.38% | -122 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.06% | 80.70% | 73.26% | 84.04% | 68.98% | -1,008 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |