Superior, WI · Charter 66576
Q3 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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.16% | 0.23% | 0.18% | -2.40% | -0.78% | -94 bps | |
| Return on Equity | 1.85% | 2.64% | 1.80% | -25.27% | -6.62% | -846 bps | |
| Net Interest Margin | 3.27% | 3.40% | 3.70% | 5.04% | 6.16% | +289 bps | |
| Efficiency Ratio | 95.22% | 88.49% | 95.08% | 87.08% | 74.47% | -2,075 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 21.54% | 22.00% | -11.52% | -15.06% | -30.09% | -5,163 bps | |
| Loan Growth (YoY) | 8.21% | 9.53% | -6.18% | -3.61% | -19.04% | -2,725 bps | |
| Share Growth (YoY) | 23.72% | 24.25% | -12.89% | -15.61% | -32.58% | -5,630 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.55% | 9.79% | 9.31% | 13.01% | 13.48% | +1,093 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.31% | 0.52% | 0.61% | 2.25% | 2.64% | +233 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.56% | 8.80% | 10.22% | 9.48% | 11.81% | +326 bps | |
| Net Worth / Assets | 8.56% | 8.80% | 10.22% | 9.48% | 11.81% | +326 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.52% | 85.06% | 84.88% | 98.47% | 100.29% | +1,677 bps | |
| Liquid Assets / Assets | 22.53% | 21.47% | 22.70% | 0.00% | 0.00% | -2,253 bps | |