Racine, WI · Charter 66600
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, 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.
Racine, WI · Charter 66600
Q2 2007
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 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.23% | -0.22% | -0.12% | -0.51% | -0.76% | -53 bps | |
| Return on Equity | -1.29% | -1.27% | -0.66% | -2.76% | -4.14% | -285 bps | |
| Net Interest Margin | 4.42% | 4.52% | 4.64% | 4.75% | 4.68% | +26 bps | |
| Efficiency Ratio | 104.59% | 104.49% | 102.34% | 109.58% | 114.68% | +1,009 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -8.87% | -8.87% | -10.32% | -8.22% | -6.26% | +261 bps | |
| Loan Growth (YoY) | -9.90% | -11.27% | -11.21% | -8.12% | -8.71% | +120 bps | |
| Share Growth (YoY) | -5.78% | -0.78% | -0.57% | -0.94% | -7.37% | -159 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.40% | 1.23% | 1.22% | 1.18% | 1.27% | -14 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.59% | 0.60% | 0.62% | 0.63% | 0.65% | +6 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.63% | 17.57% | 18.30% | 18.42% | 18.43% | +79 bps | |
| Net Worth / Assets | 17.63% | 17.57% | 18.30% | 18.42% | 18.43% | +79 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 117.70% | 115.95% | 117.91% | 117.66% | 116.00% | -169 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |