Schofield, WI · Charter 66573
Q4 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 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.79% | 2.23% | 1.96% | -0.29% | -2.62% | -340 bps | |
| Return on Equity | n/a | n/a | 14.07% | -2.24% | -22.35% | n/a | |
| Net Interest Margin | 5.53% | 6.77% | 7.29% | 6.24% | 6.45% | +92 bps | |
| Efficiency Ratio | 87.21% | 68.61% | 74.61% | 80.19% | 83.83% | -338 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.24% | 5.81% | 1.11% | -5.79% | -8.61% | -1,886 bps | |
| Loan Growth (YoY) | 20.67% | 8.59% | 19.13% | 7.59% | -12.46% | -3,314 bps | |
| Share Growth (YoY) | 8.97% | 4.45% | -0.93% | -7.76% | -8.14% | -1,711 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.76% | 4.88% | 1.08% | 20.18% | 23.37% | +2,162 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.32% | 1.49% | 0.97% | 0.96% | 5.29% | +297 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 13.93% | 12.74% | 11.72% | n/a | |
| Net Worth / Assets | n/a | n/a | 13.93% | 12.74% | 11.72% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.47% | 82.61% | 107.36% | 87.64% | 85.26% | -421 bps | |
| Liquid Assets / Assets | 0.00% | 19.29% | 5.99% | 13.94% | 26.21% | +2,621 bps | |