Cudahy, WI · Charter 66527
Q3 2004
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2004, the quarter ended September 30, 2004, 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.
Cudahy, WI · Charter 66527
Q3 2004
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 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.09% | 0.01% | 0.05% | 0.20% | 0.29% | +20 bps | |
| Return on Equity | 0.49% | 0.03% | 0.24% | 1.08% | 1.51% | +102 bps | |
| Net Interest Margin | 4.42% | 4.86% | 4.70% | 4.29% | 4.22% | -20 bps | |
| Efficiency Ratio | 95.94% | 98.07% | 97.58% | 94.49% | 90.93% | -500 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.44% | 4.62% | 4.49% | 8.38% | -2.73% | -1,318 bps | |
| Loan Growth (YoY) | 15.40% | 38.42% | 30.37% | 24.52% | 33.61% | +1,821 bps | |
| Share Growth (YoY) | 12.90% | 5.57% | 5.27% | 10.10% | -3.75% | -1,665 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.62% | 0.00% | 0.00% | 3.26% | +326 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.33% | 3.36% | 3.45% | 2.72% | 2.65% | -69 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.40% | 20.44% | 19.31% | 18.18% | 19.07% | +67 bps | |
| Net Worth / Assets | 18.40% | 20.44% | 19.31% | 18.18% | 19.07% | +67 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 60.61% | 69.11% | 63.34% | 75.27% | 84.14% | +2,353 bps | |
| Liquid Assets / Assets | 47.76% | 45.47% | 49.42% | 38.97% | 32.43% | -1,533 bps | |