De Pere, WI · Charter 66724
Q3 2004
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 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.13% | 0.90% | 0.52% | 0.47% | 0.48% | -65 bps | |
| Return on Equity | 9.82% | 7.75% | 4.51% | 3.80% | 3.84% | -598 bps | |
| Net Interest Margin | 3.43% | 3.56% | 3.81% | 4.00% | 3.98% | +55 bps | |
| Efficiency Ratio | 77.01% | 81.64% | 88.79% | 90.39% | 90.10% | +1,308 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 16.93% | 13.40% | 11.12% | -6.68% | -4.44% | -2,136 bps | |
| Loan Growth (YoY) | 18.35% | 26.97% | 22.30% | 5.51% | 5.46% | -1,290 bps | |
| Share Growth (YoY) | 8.39% | 1.69% | -0.24% | -5.86% | -7.66% | -1,605 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.21% | 1.40% | 0.88% | 1.15% | 1.17% | -4 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.53% | 3.50% | 3.02% | 3.08% | 3.05% | -48 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.52% | 11.61% | 11.61% | 12.43% | 12.47% | +95 bps | |
| Net Worth / Assets | 11.52% | 11.61% | 11.61% | 12.43% | 12.47% | +95 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 94.13% | 99.97% | 101.36% | 102.02% | 107.50% | +1,337 bps | |
| Liquid Assets / Assets | 13.22% | 11.61% | 9.55% | 10.15% | 10.07% | -316 bps | |