Fond Du Lac, WI · Charter 66759
Q2 2006
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 | Q2 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.24% | 0.03% | 0.03% | -0.01% | -26.53% | -2,629 bps | |
| Return on Equity | -0.91% | 0.11% | 0.10% | -0.03% | -172.36% | -17,146 bps | |
| Net Interest Margin | 2.71% | 3.06% | 3.55% | 3.30% | -23.30% | -2,601 bps | |
| Efficiency Ratio | 108.58% | 99.07% | 99.15% | 100.23% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 3.99% | -6.41% | -9.94% | -13.15% | -8.98% | -1,297 bps | |
| Loan Growth (YoY) | 18.51% | -3.30% | -5.98% | -20.96% | -18.69% | -3,721 bps | |
| Share Growth (YoY) | 5.82% | -8.54% | -13.74% | -17.90% | -12.54% | -1,836 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.00% | 0.22% | 0.00% | 0.00% | 6.64% | +664 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.65% | 5.92% | 6.00% | 6.44% | 6.95% | +130 bps | |
| Capital | |||||||
| Risk-Based Capital | 25.94% | 26.96% | 30.32% | 29.02% | 15.39% | -1,055 bps | |
| Net Worth / Assets | 25.94% | 26.96% | 30.32% | 29.02% | 15.39% | -1,055 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 35.38% | 35.44% | 41.21% | 36.05% | 32.89% | -249 bps | |
| Liquid Assets / Assets | 73.25% | 73.40% | 70.90% | 73.80% | 0.00% | -7,325 bps | |