Wausau, WI · Charter 66432
Q1 2010
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.22% | -0.37% | -0.09% | -1.04% | 0.39% | +17 bps | |
| Return on Equity | 1.67% | -2.95% | -0.63% | -8.11% | 3.00% | +133 bps | |
| Net Interest Margin | 4.44% | 4.03% | 4.30% | 4.33% | 4.67% | +22 bps | |
| Efficiency Ratio | 86.21% | 82.51% | 94.85% | 96.24% | 91.87% | +567 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.55% | 3.06% | -3.90% | -3.24% | -6.63% | -408 bps | |
| Loan Growth (YoY) | 4.82% | 13.08% | 5.29% | -2.73% | -17.37% | -2,218 bps | |
| Share Growth (YoY) | -3.24% | 4.03% | -4.20% | -2.37% | -6.49% | -326 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.08% | 2.50% | 2.66% | 3.59% | 3.06% | +98 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.20% | 0.19% | 0.19% | 0.78% | 0.89% | +69 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.19% | 12.66% | 13.56% | 12.83% | 13.11% | -8 bps | |
| Net Worth / Assets | 13.19% | 12.66% | 13.56% | 12.83% | 13.11% | -8 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 75.58% | 75.34% | 80.55% | 78.64% | 66.79% | -879 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |