Shawano, WI · Charter 66601
Q3 2008
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.47% | 0.11% | 0.62% | -0.42% | -0.54% | -101 bps | |
| Return on Equity | 1.70% | 0.40% | 2.33% | -1.60% | -2.10% | -380 bps | |
| Net Interest Margin | 4.35% | 3.90% | 4.01% | 3.44% | 3.21% | -115 bps | |
| Efficiency Ratio | 83.90% | 91.79% | 84.65% | 112.09% | 116.69% | +3,278 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.99% | 3.51% | 4.62% | 5.32% | 5.19% | +718 bps | |
| Loan Growth (YoY) | -4.33% | -10.22% | -10.58% | -16.11% | -25.40% | -2,107 bps | |
| Share Growth (YoY) | -3.40% | 4.73% | 6.06% | 7.59% | 8.10% | +1,149 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.41% | 2.03% | 2.15% | 2.05% | 2.04% | +163 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.51% | 2.89% | 3.80% | 3.96% | 4.38% | +187 bps | |
| Capital | |||||||
| Risk-Based Capital | 27.62% | 27.09% | 26.49% | 26.06% | 25.63% | -200 bps | |
| Net Worth / Assets | 27.62% | 27.09% | 26.49% | 26.06% | 25.63% | -200 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 77.76% | 69.06% | 63.25% | 60.20% | 53.66% | -2,410 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |