Burlington, WI · Charter 66740
Q4 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1998, the quarter ended December 31, 1998, 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.
Burlington, WI · Charter 66740
Q4 1998
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.89% | 2.43% | 3.06% | -7.62% | -7.58% | -1,348 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -22.28% | -22.34% | -22.46% | -8.69% | -18.38% | +390 bps | |
| Loan Growth (YoY) | -26.01% | -15.69% | -15.22% | -9.02% | -7.81% | +1,820 bps | |
| Share Growth (YoY) | -29.57% | -28.94% | -31.82% | -5.59% | -13.55% | +1,603 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 13.50% | 8.32% | 19.49% | 24.86% | 34.40% | +2,090 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.40% | 1.92% | 2.90% | 8.24% | 17.09% | +1,469 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.71% | 100.19% | 105.71% | 94.48% | 90.33% | +562 bps | |
| Liquid Assets / Assets | 31.29% | 24.46% | 23.18% | 22.68% | 31.80% | +52 bps | |