Abbotsford, WI · Charter 66494
Q4 1996
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1996, the quarter ended December 31, 1996, 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.
Abbotsford, WI · Charter 66494
Q4 1996
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 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.36% | 3.31% | 1.16% | 1.94% | 1.62% | +25 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) | n/a | n/a | n/a | -1.34% | -6.12% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | -9.83% | -32.47% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | -2.89% | 4.01% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 14.60% | 12.65% | 9.02% | 0.00% | 0.00% | -1,460 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.12% | 2.10% | 3.88% | 2.10% | 2.65% | +52 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 | 56.12% | 58.09% | 66.18% | 49.52% | 36.44% | -1,968 bps | |
| Liquid Assets / Assets | 51.68% | 49.64% | 45.54% | 57.72% | 63.91% | +1,223 bps | |