Oshkosh, WI · Charter 66604
Q2 2011
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 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.50% | -0.40% | -0.61% | -0.12% | -4.76% | -426 bps | |
| Return on Equity | -3.49% | -2.89% | -4.62% | -0.78% | -33.43% | -2,994 bps | |
| Net Interest Margin | 1.29% | 1.39% | 1.30% | 1.63% | 1.98% | +70 bps | |
| Efficiency Ratio | 101.74% | 128.40% | 134.23% | 106.94% | 118.06% | +1,632 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 37.49% | 39.82% | 14.57% | -5.71% | -17.58% | -5,507 bps | |
| Loan Growth (YoY) | -12.59% | -14.31% | -19.04% | 0.50% | -1.04% | +1,155 bps | |
| Share Growth (YoY) | 48.02% | 50.11% | 18.80% | -5.58% | -17.45% | -6,548 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.97% | 0.41% | 11.12% | 10.22% | +1,022 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.61% | 0.65% | 0.70% | 0.62% | 4.89% | +427 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.38% | 13.85% | 13.26% | 15.01% | 14.24% | -14 bps | |
| Net Worth / Assets | 14.38% | 13.85% | 13.26% | 15.01% | 14.24% | -14 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.12% | 45.16% | 41.34% | 54.31% | 60.08% | +996 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |