Ashland, WI · Charter 66643
Q2 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2000, the quarter ended June 30, 2000, 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.
Ashland, WI · Charter 66643
Q2 2000
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 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.47% | 1.51% | 1.70% | -3.17% | -6.60% | -907 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 7.88% | 7.89% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 77.60% | 80.04% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 5.07% | 19.64% | 12.06% | -7.37% | -13.36% | -1,842 bps | |
| Loan Growth (YoY) | -5.27% | -3.47% | -10.56% | -3.85% | -16.53% | -1,126 bps | |
| Share Growth (YoY) | 5.89% | 28.90% | 17.76% | -3.38% | -7.19% | -1,308 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.05% | 4.96% | 5.80% | 5.74% | 3.30% | -275 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.11% | 1.16% | 0.00% | 4.20% | 3.64% | +252 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 99.87% | 86.33% | 84.94% | 101.49% | 89.81% | -1,006 bps | |
| Liquid Assets / Assets | 4.89% | 4.44% | 9.70% | 5.86% | 6.41% | +152 bps | |