Madison, WI · Charter 66603
Q3 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2008, the quarter ended September 30, 2008, 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.
Madison, WI · Charter 66603
Q3 2008
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 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.37% | 1.50% | 1.16% | 1.14% | 0.67% | -70 bps | |
| Return on Equity | 5.93% | 6.03% | 4.89% | 4.74% | 2.82% | -310 bps | |
| Net Interest Margin | 4.34% | 4.67% | 4.02% | 4.01% | 3.82% | -51 bps | |
| Efficiency Ratio | 68.75% | 68.29% | 71.60% | 71.89% | 82.64% | +1,390 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -4.97% | -3.51% | 1.57% | 0.85% | 0.83% | +580 bps | |
| Loan Growth (YoY) | -7.39% | -0.35% | -6.91% | -9.40% | -11.43% | -403 bps | |
| Share Growth (YoY) | -7.92% | -7.08% | 0.05% | -0.66% | -0.41% | +751 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.44% | 0.41% | 0.45% | 0.46% | 0.48% | +4 bps | |
| Capital | |||||||
| Risk-Based Capital | 23.10% | 24.83% | 23.67% | 24.04% | 23.80% | +70 bps | |
| Net Worth / Assets | 23.10% | 24.83% | 23.67% | 24.04% | 23.80% | +70 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.82% | 93.58% | 78.61% | 76.48% | 73.66% | -916 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |