Whitewater, WI · Charter 66795
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.
Whitewater, WI · Charter 66795
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 | 5.11% | 4.40% | 4.78% | 4.22% | 4.52% | -59 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) | -2.02% | -4.53% | 1.09% | -6.67% | -8.55% | -653 bps | |
| Loan Growth (YoY) | -9.42% | 2.39% | 4.06% | -14.53% | -24.77% | -1,535 bps | |
| Share Growth (YoY) | -3.77% | -7.06% | -1.05% | -8.97% | -10.78% | -700 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.30% | 0.35% | 3.97% | 2.56% | 2.89% | +258 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.78% | 0.95% | 1.10% | 1.22% | 1.20% | +43 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 | 92.12% | 98.76% | 97.97% | 80.43% | 77.68% | -1,445 bps | |
| Liquid Assets / Assets | 13.12% | 3.17% | 11.84% | 26.79% | 26.02% | +1,289 bps | |