Fond Du Lac, WI · Charter 66667
Q2 2004
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 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.07% | 0.10% | 0.16% | 0.27% | 0.01% | -6 bps | |
| Return on Equity | 0.59% | 0.83% | 1.19% | 2.01% | 0.19% | -40 bps | |
| Net Interest Margin | 2.89% | 2.84% | 3.04% | 2.95% | 2.90% | +1 bps | |
| Efficiency Ratio | 97.43% | 96.37% | 94.81% | 90.93% | 99.53% | +210 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.45% | 4.34% | -1.76% | -2.30% | -4.53% | -499 bps | |
| Loan Growth (YoY) | -26.15% | -17.75% | -13.52% | -0.88% | -13.14% | +1,300 bps | |
| Share Growth (YoY) | 0.35% | 5.14% | -2.18% | -2.95% | 1.12% | +76 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.16% | 2.75% | 4.32% | 5.38% | 1.97% | -219 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.59% | 3.54% | 3.58% | 3.68% | 4.14% | +54 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.58% | 12.35% | 13.19% | 13.32% | 7.41% | -517 bps | |
| Net Worth / Assets | 12.58% | 12.35% | 13.19% | 13.32% | 7.41% | -517 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 51.48% | 50.98% | 54.01% | 52.99% | 44.22% | -726 bps | |
| Liquid Assets / Assets | 50.18% | 50.63% | 43.99% | 44.79% | 58.76% | +859 bps | |