PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

County Wide

Wauwatosa, WI · Charter 66438

Q2 2000

$2.1MAssets
$1.5MLoans
$1.7MShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.70%, down 145 bps year over year; NIM at 6.13%.
  • Asset quality: problem loans at 1.80% of loans (-258 bps YoY).
  • Funding: loans stand at 87.16% of shares as of Q2 2000.

Financial Results

Return on Assets (quarter, annualized)

-0.70%-145 bps YoY

Net Interest Margin (quarter, annualized)

6.13%

Efficiency Ratio (quarter, annualized)

105.12%

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000YoY ΔTrend
Earnings
Return on Assets0.75%1.78%2.06%0.45%-0.70%-145 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/a6.37%6.13%n/a
Efficiency Ration/an/an/a94.08%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 / Loans4.38%1.40%1.71%0.12%1.80%-258 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.09%2.61%2.78%2.53%2.28%-81 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares73.15%71.69%75.32%82.08%87.16%+1,401 bps
Liquid Assets / Assets32.55%33.49%30.35%16.76%0.00%-3,255 bps