Racine, WI · Charter 66515
Q3 2008
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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.47% | 1.41% | 0.99% | 0.83% | -0.07% | -154 bps | |
| Return on Equity | 7.37% | 6.46% | 5.01% | 4.14% | -0.95% | -833 bps | |
| Net Interest Margin | 5.77% | 6.21% | 5.25% | 5.13% | 5.14% | -63 bps | |
| Efficiency Ratio | 76.77% | 79.04% | 82.12% | 84.74% | 101.33% | +2,455 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -3.46% | -6.62% | 5.12% | 4.15% | 2.08% | +554 bps | |
| Loan Growth (YoY) | -8.06% | -8.96% | -17.07% | -11.08% | -17.01% | -895 bps | |
| Share Growth (YoY) | -5.91% | -9.88% | 4.86% | 4.01% | 17.96% | +2,387 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.73% | 1.75% | 2.03% | 2.46% | 0.37% | -36 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.06% | 1.13% | 1.12% | 0.75% | 0.77% | -28 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.87% | 21.86% | 19.67% | 19.93% | 7.67% | -1,221 bps | |
| Net Worth / Assets | 19.87% | 21.86% | 19.67% | 19.93% | 7.67% | -1,221 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 90.43% | 94.94% | 76.53% | 75.32% | 63.62% | -2,681 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |