Wisconsin Rapid, WI · Charter 66656
Q4 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 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | Q4 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.06% | 1.20% | 1.21% | 1.13% | -16.67% | -1,772 bps | |
| Return on Equity | 6.57% | 7.17% | 7.07% | 6.49% | -355% | -36,171 bps | |
| Net Interest Margin | 3.19% | 3.41% | 3.43% | 3.36% | 5.36% | +217 bps | |
| Efficiency Ratio | 66.95% | 64.77% | 64.90% | 66.33% | 123.23% | +5,627 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.27% | -4.54% | -5.38% | -5.92% | -24.74% | -2,601 bps | |
| Loan Growth (YoY) | -3.75% | -4.13% | -2.72% | -2.97% | -5.38% | -163 bps | |
| Share Growth (YoY) | -0.05% | -6.69% | -8.35% | -8.99% | -20.06% | -2,001 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.23% | 0.00% | 0.00% | 0.00% | 7.57% | +735 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.50% | 0.51% | 0.51% | 0.51% | 14.31% | +1,381 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.07% | 16.75% | 17.04% | 17.42% | 4.69% | -1,137 bps | |
| Net Worth / Assets | 16.07% | 16.75% | 17.04% | 17.42% | 4.69% | -1,137 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 107.85% | 108.57% | 110.50% | 113.07% | 127.65% | +1,981 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |