Wausau, WI · Charter 66614
Q1 2012
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 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -4.73% | -3.75% | -5.14% | -4.96% | 0.09% | +481 bps | |
| Return on Equity | -34.61% | -27.55% | -45.12% | -44.90% | 0.78% | +3,539 bps | |
| Net Interest Margin | 3.77% | 3.99% | 4.01% | 4.06% | 3.92% | +16 bps | |
| Efficiency Ratio | 110.02% | 102.82% | 106.57% | 122.09% | 97.97% | -1,204 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.04% | -6.26% | -4.94% | -9.57% | -8.11% | -815 bps | |
| Loan Growth (YoY) | -9.37% | -14.23% | -20.35% | -19.79% | -12.22% | -285 bps | |
| Share Growth (YoY) | 3.18% | -3.79% | -0.08% | -6.29% | -5.87% | -905 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.92% | 8.07% | 6.15% | 5.97% | 6.63% | -229 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.02% | 2.21% | 3.25% | 3.80% | 3.90% | +89 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.66% | 13.63% | 11.40% | 11.05% | 11.17% | -249 bps | |
| Net Worth / Assets | 13.66% | 13.63% | 11.40% | 11.05% | 11.17% | -249 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.71% | 85.76% | 77.93% | 79.55% | 78.99% | -572 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |