Wauwatosa, WI · Charter 66438
Q2 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2000, the quarter ended June 30, 2000, 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.
Wauwatosa, WI · Charter 66438
Q2 2000
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.75% | 1.78% | 2.06% | 0.45% | -0.70% | -145 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 6.37% | 6.13% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 94.08% | 105.12% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -19.22% | -10.47% | -10.23% | -7.87% | -5.32% | +1,390 bps | |
| Loan Growth (YoY) | -31.63% | -23.51% | -3.32% | 5.90% | 9.90% | +4,153 bps | |
| Share Growth (YoY) | -18.17% | -12.34% | -11.24% | -10.22% | -7.77% | +1,039 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.38% | 1.40% | 1.71% | 0.12% | 1.80% | -258 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.09% | 2.61% | 2.78% | 2.53% | 2.28% | -81 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 73.15% | 71.69% | 75.32% | 82.08% | 87.16% | +1,401 bps | |
| Liquid Assets / Assets | 32.55% | 33.49% | 30.35% | 16.76% | 0.00% | -3,255 bps | |