Neenah, WI · Charter 66801
Q4 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2005, the quarter ended December 31, 2005, 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.
Neenah, WI · Charter 66801
Q4 2005
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 2004 | Q1 2005 | Q2 2005 | Q3 2005 | Q4 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.52% | 0.24% | 0.66% | 0.70% | -4.08% | -460 bps | |
| Return on Equity | 3.35% | 1.65% | 3.91% | 3.92% | -25.36% | -2,871 bps | |
| Net Interest Margin | 4.42% | 3.98% | 4.58% | 5.00% | 2.97% | -145 bps | |
| Efficiency Ratio | 90.03% | 95.31% | 87.05% | 87.93% | 188.10% | +9,807 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.56% | -2.05% | -12.70% | -11.31% | -22.70% | -1,514 bps | |
| Loan Growth (YoY) | 1.78% | 2.06% | -10.24% | -4.41% | -18.71% | -2,049 bps | |
| Share Growth (YoY) | -9.63% | -3.26% | -15.39% | -18.37% | -23.29% | -1,366 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.08% | 2.11% | 4.27% | 0.00% | 0.02% | -207 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.25% | 2.28% | 2.19% | 2.13% | 2.64% | +39 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.60% | 14.67% | 16.91% | 17.81% | 16.09% | +50 bps | |
| Net Worth / Assets | 15.60% | 14.67% | 16.91% | 17.81% | 16.09% | +50 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 93.42% | 85.67% | 94.94% | 110.37% | 99.00% | +559 bps | |
| Liquid Assets / Assets | 18.43% | 24.73% | 18.14% | 10.96% | 17.48% | -95 bps | |