Kenosha, WI · Charter 66568
Q2 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2001, the quarter ended June 30, 2001, 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.
Kenosha, WI · Charter 66568
Q2 2001
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 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.57% | 1.20% | 0.51% | 0.98% | -28.90% | -3,146 bps | |
| Return on Equity | n/a | n/a | n/a | 3.68% | -240% | n/a | |
| Net Interest Margin | n/a | 4.47% | 4.56% | 5.29% | -22.09% | n/a | |
| Efficiency Ratio | n/a | 76.02% | 88.53% | 82.02% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 10.00% | 8.21% | 7.17% | -0.43% | -8.48% | -1,847 bps | |
| Loan Growth (YoY) | -28.16% | -24.21% | -5.48% | 16.25% | 6.99% | +3,515 bps | |
| Share Growth (YoY) | 9.25% | 6.95% | 6.31% | -3.50% | 4.05% | -521 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.28% | 2.38% | 1.99% | 0.79% | 1.64% | -164 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.25% | 1.29% | 1.26% | 1.11% | 3.97% | +272 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | 26.55% | 12.03% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | 26.55% | 12.03% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 28.85% | 30.73% | 30.99% | 39.27% | 29.67% | +82 bps | |
| Liquid Assets / Assets | 24.60% | 61.34% | 63.94% | 36.85% | 69.14% | +4,454 bps | |