Milwaukee, WI · Charter 66689
Q4 2002
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 2001 | Q4 2001 | Q2 2002 | Q3 2002 | Q4 2002 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.60% | 0.26% | 0.46% | 0.60% | 0.57% | -3 bps | |
| Return on Equity | 2.93% | 1.19% | 2.20% | 2.73% | 2.24% | -69 bps | |
| Net Interest Margin | 3.26% | 3.54% | 3.48% | 3.56% | 4.01% | +75 bps | |
| Efficiency Ratio | 79.81% | 82.30% | 81.10% | 79.38% | 82.96% | +315 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.66% | 5.85% | 8.53% | 2.31% | -18.90% | -3,056 bps | |
| Loan Growth (YoY) | 11.47% | -4.06% | -15.31% | -25.11% | -33.03% | -4,450 bps | |
| Share Growth (YoY) | 13.83% | 6.78% | 10.79% | 2.50% | -23.41% | -3,723 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.35% | 0.63% | 0.75% | 0.66% | 2.14% | +79 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.85% | 1.08% | 1.53% | 1.61% | 1.76% | +91 bps | |
| Capital | |||||||
| Risk-Based Capital | 20.49% | 21.75% | 20.91% | 21.95% | 25.46% | +498 bps | |
| Net Worth / Assets | 20.49% | 21.75% | 20.91% | 21.95% | 25.46% | +498 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 53.68% | 49.77% | 46.75% | 42.71% | 46.93% | -675 bps | |
| Liquid Assets / Assets | 45.03% | 47.87% | 41.44% | 64.35% | 50.32% | +529 bps | |