Janesville, WI · Charter 66475
Q3 2008
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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.56% | -0.90% | -0.04% | -2.42% | -13.60% | -1,204 bps | |
| Return on Equity | -15.51% | -8.84% | -0.39% | -29.43% | -9714% | -969,871 bps | |
| Net Interest Margin | 4.82% | 4.78% | 4.43% | 4.11% | 3.96% | -86 bps | |
| Efficiency Ratio | 96.83% | 92.95% | 100.75% | 88.53% | 104.22% | +738 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -10.31% | -2.56% | 0.83% | 5.02% | -0.44% | +987 bps | |
| Loan Growth (YoY) | -7.07% | -6.73% | -11.66% | -14.81% | -22.50% | -1,543 bps | |
| Share Growth (YoY) | -10.65% | -1.80% | 1.70% | 7.71% | 12.35% | +2,300 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.49% | 3.60% | 3.62% | 5.38% | 3.94% | +146 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.82% | 1.93% | 2.01% | 4.32% | 13.48% | +1,167 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.03% | 10.17% | 9.83% | 8.24% | 0.14% | -989 bps | |
| Net Worth / Assets | 10.03% | 10.17% | 9.83% | 8.24% | 0.14% | -989 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 100.33% | 94.82% | 85.89% | 75.73% | 69.21% | -3,112 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |