Racine, WI · Charter 66694
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 2007, 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.
Racine, WI · Charter 66694
Q1 2007
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 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.40% | -0.08% | -0.05% | 0.10% | -0.70% | -30 bps | |
| Return on Equity | -3.55% | -0.65% | -0.39% | 0.77% | -5.63% | -208 bps | |
| Net Interest Margin | 3.76% | 4.18% | 4.22% | 4.76% | 4.43% | +67 bps | |
| Efficiency Ratio | 109.18% | 101.58% | 100.94% | 98.20% | 114.19% | +501 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.78% | -7.57% | -4.41% | -6.55% | -9.72% | -694 bps | |
| Loan Growth (YoY) | 8.99% | 9.15% | 11.68% | 0.16% | -8.90% | -1,789 bps | |
| Share Growth (YoY) | -3.48% | -8.50% | -5.11% | -7.52% | -10.54% | -707 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.30% | 0.56% | 0.33% | 0.29% | 0.28% | -2 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.08% | 1.11% | 1.05% | 1.13% | 1.18% | +11 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.23% | 11.89% | 11.72% | 12.84% | 12.47% | +124 bps | |
| Net Worth / Assets | 11.23% | 11.89% | 11.72% | 12.84% | 12.47% | +124 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.83% | 72.93% | 75.78% | 76.88% | 72.12% | +130 bps | |
| Liquid Assets / Assets | 30.76% | 0.00% | 0.00% | 0.00% | 0.00% | -3,076 bps | |