Madison, WI · Charter 66563
Q4 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1999, the quarter ended December 31, 1999, 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.
Madison, WI · Charter 66563
Q4 1999
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 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.55% | 3.26% | 3.79% | 3.08% | 0.21% | -234 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | 5.10% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 90.04% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 20.72% | 5.96% | 8.76% | 1.55% | -6.84% | -2,756 bps | |
| Loan Growth (YoY) | 31.91% | 34.40% | 23.24% | 6.68% | -8.59% | -4,050 bps | |
| Share Growth (YoY) | 17.50% | 7.32% | 9.30% | 1.20% | -3.48% | -2,098 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.62% | 1.82% | 2.21% | 1.44% | 2.11% | +49 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.62% | 0.92% | 1.02% | 0.41% | 0.67% | +6 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 104.04% | 97.41% | 92.99% | 93.20% | 98.53% | -551 bps | |
| Liquid Assets / Assets | 4.18% | 7.18% | 11.92% | 10.61% | 0.35% | -384 bps | |