Jefferson, WI · Charter 66485
Q2 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1998, the quarter ended June 30, 1998, 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.
Jefferson, WI · Charter 66485
Q2 1998
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 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.84% | 1.35% | 4.74% | 4.02% | 5.91% | +208 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 | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -13.63% | -15.50% | -22.09% | -26.75% | -51.15% | -3,752 bps | |
| Loan Growth (YoY) | -28.42% | -27.29% | -32.50% | -35.13% | -40.99% | -1,257 bps | |
| Share Growth (YoY) | -16.06% | -15.29% | -22.35% | -28.04% | -57.88% | -4,182 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.71% | 7.07% | 5.39% | 6.31% | 9.29% | +159 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.57% | 6.01% | 5.47% | 6.20% | 4.25% | +67 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 | 83.05% | 86.78% | 80.11% | 82.39% | 116.34% | +3,330 bps | |
| Liquid Assets / Assets | 25.44% | 22.79% | 27.55% | 27.53% | 4.10% | -2,134 bps | |