Cudahy, WI · Charter 66758
Q4 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2015, the quarter ended December 31, 2015, 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.
Cudahy, WI · Charter 66758
Q4 2015
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 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.05% | 0.01% | -0.09% | -0.34% | -0.36% | -30 bps | |
| Return on Equity | -0.80% | 0.17% | -1.39% | -5.09% | -5.33% | -453 bps | |
| Net Interest Margin | 2.95% | 2.76% | 2.83% | 2.91% | 3.05% | +10 bps | |
| Efficiency Ratio | 104.83% | 97.00% | 96.27% | 97.16% | 97.09% | -774 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.60% | 5.24% | 4.91% | 3.74% | -3.58% | -718 bps | |
| Loan Growth (YoY) | -1.82% | -2.60% | 6.95% | 2.62% | 4.14% | +596 bps | |
| Share Growth (YoY) | 4.06% | 5.68% | 5.49% | 3.93% | -3.50% | -756 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.42% | 0.60% | 1.71% | 1.26% | 0.72% | +30 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.51% | 0.52% | 0.55% | 0.49% | 0.42% | -9 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.81% | 6.60% | 6.55% | 6.59% | 6.70% | -10 bps | |
| Net Worth / Assets | 6.81% | 6.60% | 6.55% | 6.59% | 6.70% | -10 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 57.67% | 55.42% | 61.16% | 60.80% | 62.24% | +457 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |