Evansville, WI · Charter 66522
Q2 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 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.81% | 2.51% | 1.89% | -0.60% | -0.91% | -272 bps | |
| Return on Equity | 7.52% | 8.27% | 5.89% | -1.74% | -2.86% | -1,038 bps | |
| Net Interest Margin | 4.03% | 5.18% | 5.32% | 4.92% | 4.32% | +29 bps | |
| Efficiency Ratio | 57.70% | 53.83% | 66.41% | 111.51% | 119.78% | +6,207 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -12.00% | -15.58% | -20.41% | -25.56% | -23.32% | -1,132 bps | |
| Loan Growth (YoY) | -5.01% | -14.36% | -23.17% | -21.57% | -30.89% | -2,587 bps | |
| Share Growth (YoY) | -17.15% | -23.19% | -29.00% | -35.50% | -31.34% | -1,420 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.28% | 2.70% | 3.11% | 3.82% | 4.15% | +187 bps | |
| Capital | |||||||
| Risk-Based Capital | 24.14% | 30.37% | 32.16% | 34.45% | 31.74% | +760 bps | |
| Net Worth / Assets | 24.14% | 30.37% | 32.16% | 34.45% | 31.74% | +760 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 88.53% | 106.43% | 103.84% | 102.52% | 89.11% | +58 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |