Butler, WI · Charter 66607
Q1 2011
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 2009 | Q4 2009 | Q1 2010 | Q3 2010 | Q1 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.05% | 0.08% | -0.14% | -0.82% | -1.89% | -184 bps | |
| Return on Equity | -0.19% | 0.26% | -0.49% | -3.04% | -6.19% | -600 bps | |
| Net Interest Margin | 3.23% | 3.56% | 2.79% | 2.45% | 2.15% | -108 bps | |
| Efficiency Ratio | 83.42% | 84.15% | 111.00% | 124.35% | 170.29% | +8,687 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.86% | 6.46% | -2.51% | -1.69% | -19.42% | -2,128 bps | |
| Loan Growth (YoY) | -27.91% | -33.07% | -29.76% | -31.72% | -47.63% | -1,972 bps | |
| Share Growth (YoY) | 2.61% | 9.59% | -3.92% | -1.64% | -24.66% | -2,727 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.49% | 0.53% | 6.97% | 5.54% | +554 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.48% | 0.54% | 0.42% | 1.04% | 2.70% | +222 bps | |
| Capital | |||||||
| Risk-Based Capital | 25.71% | 28.96% | 28.64% | 27.08% | 30.46% | +474 bps | |
| Net Worth / Assets | 25.71% | 28.96% | 28.64% | 27.08% | 30.46% | +474 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 36.27% | 39.74% | 35.95% | 29.25% | 25.21% | -1,106 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |