Milwaukee, WI · Charter 66785
Q2 1999
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 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.31% | 2.72% | 2.12% | 2.21% | 1.66% | -65 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) | 6.17% | -6.55% | -2.35% | -5.46% | 4.69% | -148 bps | |
| Loan Growth (YoY) | 17.10% | -11.80% | -11.52% | -10.17% | -32.96% | -5,006 bps | |
| Share Growth (YoY) | 6.64% | -7.98% | -2.99% | -6.75% | 5.07% | -157 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.73% | 3.95% | 1.39% | 0.00% | 0.00% | -73 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.27% | 3.10% | 2.10% | 2.01% | 2.38% | +11 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 | 70.50% | 75.75% | 61.43% | 63.53% | 44.99% | -2,552 bps | |
| Liquid Assets / Assets | 36.84% | 28.32% | 36.91% | 34.53% | 48.11% | +1,127 bps | |