Pewaukee, WI · Charter 66554
Q4 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2006, the quarter ended December 31, 2006, 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.
Pewaukee, WI · Charter 66554
Q4 2006
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 2005 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.54% | -0.98% | -0.82% | -0.52% | -3.75% | -430 bps | |
| Return on Equity | 5.47% | -10.09% | -8.54% | -5.48% | -57.91% | -6,338 bps | |
| Net Interest Margin | 3.63% | 3.08% | 3.27% | 3.09% | 3.20% | -43 bps | |
| Efficiency Ratio | 77.88% | 104.52% | 89.89% | 92.32% | 171.14% | +9,326 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.42% | 4.67% | -4.57% | -6.50% | -3.20% | -661 bps | |
| Loan Growth (YoY) | 9.40% | 1.29% | -4.73% | -9.19% | -5.02% | -1,442 bps | |
| Share Growth (YoY) | 4.79% | 5.37% | 8.31% | -1.58% | -3.00% | -779 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.50% | 1.05% | 1.74% | 0.62% | 0.43% | -106 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.83% | 0.91% | 1.23% | 0.98% | 1.01% | +18 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.96% | 9.75% | 9.59% | 9.48% | 6.48% | -348 bps | |
| Net Worth / Assets | 9.96% | 9.75% | 9.59% | 9.48% | 6.48% | -348 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 85.56% | 80.26% | 81.64% | 79.62% | 83.78% | -178 bps | |
| Liquid Assets / Assets | 2.27% | 4.77% | 0.00% | 0.00% | 0.00% | -227 bps | |