Platteville, WI · Charter 66561
Q2 2007
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.16% | 0.23% | 0.24% | 0.49% | 0.52% | +36 bps | |
| Return on Equity | 1.22% | 1.71% | 1.74% | 3.80% | 1.63% | +42 bps | |
| Net Interest Margin | 3.82% | 3.98% | 4.11% | 3.60% | 8.26% | +444 bps | |
| Efficiency Ratio | 86.81% | 88.15% | 88.18% | 86.08% | 98.90% | +1,209 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.69% | -4.27% | -4.31% | -2.47% | -58.78% | -5,309 bps | |
| Loan Growth (YoY) | 3.34% | 0.80% | 0.69% | 0.36% | -92.59% | -9,594 bps | |
| Share Growth (YoY) | -6.81% | -5.39% | -5.62% | -3.46% | -100.00% | -9,319 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.85% | 2.55% | 2.00% | 2.01% | 0.00% | -185 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.31% | 0.34% | 0.33% | 0.33% | 0.00% | -31 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.88% | 13.29% | 13.81% | 12.93% | 31.88% | +1,899 bps | |
| Net Worth / Assets | 12.88% | 13.29% | 13.81% | 12.93% | 31.88% | +1,899 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.00% | 69.46% | 71.87% | 66.15% | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |