Green Bay, WI · Charter 66793
Q2 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1998, the quarter ended June 30, 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.
Green Bay, WI · Charter 66793
Q2 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 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.87% | 3.70% | 4.33% | 3.57% | 3.37% | -49 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) | -0.16% | 4.16% | -0.94% | 10.10% | 2.48% | +264 bps | |
| Loan Growth (YoY) | 5.60% | -6.90% | -10.14% | 3.78% | 6.65% | +104 bps | |
| Share Growth (YoY) | -3.06% | -4.28% | -4.07% | 3.87% | 0.83% | +389 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.65% | 3.16% | 0.18% | 0.05% | 0.47% | -218 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.35% | 2.31% | 2.28% | 2.10% | 2.20% | -15 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 | 97.01% | 102.94% | 98.51% | 98.79% | 102.60% | +559 bps | |
| Liquid Assets / Assets | 10.70% | 11.40% | 8.71% | 12.36% | 5.81% | -489 bps | |