Madison, WI · Charter 66436
Q4 2004
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 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.26% | -0.90% | -0.26% | 0.10% | -1.73% | -199 bps | |
| Return on Equity | 0.80% | -2.94% | -0.84% | 0.32% | -5.10% | -591 bps | |
| Net Interest Margin | 4.22% | 3.83% | 4.07% | 4.26% | 4.91% | +69 bps | |
| Efficiency Ratio | 94.16% | 120.39% | 106.25% | 97.84% | 106.42% | +1,226 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.48% | -6.27% | -12.12% | -12.72% | -8.37% | -189 bps | |
| Loan Growth (YoY) | 14.03% | 3.83% | -3.76% | -10.19% | -6.55% | -2,058 bps | |
| Share Growth (YoY) | -5.94% | -8.78% | -16.96% | -17.93% | -14.31% | -836 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.73% | 0.34% | 3.25% | 1.33% | 3.63% | +290 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.78% | 0.84% | 0.85% | 0.85% | 2.03% | +124 bps | |
| Capital | |||||||
| Risk-Based Capital | 32.56% | 30.73% | 30.92% | 31.05% | 33.81% | +125 bps | |
| Net Worth / Assets | 32.56% | 30.73% | 30.92% | 31.05% | 33.81% | +125 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.91% | 73.78% | 74.28% | 73.60% | 90.42% | +750 bps | |
| Liquid Assets / Assets | 40.71% | 47.79% | 47.57% | 48.19% | 40.32% | -39 bps | |