Kenosha, WI · Charter 66581
Q4 1998
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 4.02% | -10.70% | -4.24% | 4.29% | 6.57% | +255 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 | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -10.70% | -26.37% | -25.81% | -25.98% | -14.87% | -416 bps | |
| Loan Growth (YoY) | 1.13% | -27.83% | -38.98% | -41.50% | -40.39% | -4,152 bps | |
| Share Growth (YoY) | -14.69% | -27.68% | -27.27% | -27.26% | -16.24% | -155 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.19% | 9.72% | 22.74% | 21.02% | 1.76% | -643 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.15% | 8.79% | 6.40% | 9.43% | 4.44% | +229 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 | 111.64% | 101.43% | 89.50% | 80.16% | 79.45% | -3,219 bps | |
| Liquid Assets / Assets | 11.20% | 14.74% | 30.36% | 40.61% | 36.92% | +2,572 bps | |