Madison, WI · Charter 66469
Q2 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2012, the quarter ended June 30, 2012, 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.
Madison, WI · Charter 66469
Q2 2012
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 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.02% | -0.05% | 0.02% | -0.38% | -7.79% | -781 bps | |
| Return on Equity | 0.14% | -0.32% | 0.13% | -2.59% | -71.40% | -7,153 bps | |
| Net Interest Margin | 2.17% | 2.16% | 2.16% | 1.86% | 1.84% | -33 bps | |
| Efficiency Ratio | 99.04% | 102.22% | 99.13% | 119.92% | 519% | +41,950 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.72% | -6.57% | -1.36% | 6.70% | 4.15% | +1,087 bps | |
| Loan Growth (YoY) | -26.72% | -26.95% | -13.92% | -10.83% | -12.89% | +1,383 bps | |
| Share Growth (YoY) | -5.77% | -8.04% | -1.67% | 8.17% | 9.82% | +1,558 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.29% | 0.28% | +28 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.16% | 0.17% | 0.18% | 0.18% | 0.19% | +2 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.42% | 15.14% | 15.13% | 14.54% | 10.91% | -450 bps | |
| Net Worth / Assets | 15.42% | 15.14% | 15.13% | 14.54% | 10.91% | -450 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.01% | 57.87% | 53.96% | 50.51% | 48.40% | -1,261 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |