Oshkosh, WI · Charter 66803
Q2 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2014, the quarter ended June 30, 2014, 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.
Oshkosh, WI · Charter 66803
Q2 2014
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 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.41% | -0.17% | 0.03% | 0.47% | -0.65% | -24 bps | |
| Return on Equity | -4.06% | -1.69% | 0.28% | 4.45% | -6.39% | -233 bps | |
| Net Interest Margin | 2.80% | 2.84% | 2.83% | 2.86% | 2.84% | +4 bps | |
| Efficiency Ratio | 97.39% | 96.39% | 93.37% | 95.00% | 103.15% | +575 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.91% | 2.94% | -1.00% | -0.65% | -1.45% | -536 bps | |
| Loan Growth (YoY) | -0.19% | 0.17% | 0.15% | -1.56% | -1.27% | -107 bps | |
| Share Growth (YoY) | 5.89% | 4.52% | -1.00% | -0.97% | -1.60% | -749 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.12% | 4.13% | 4.55% | 4.00% | 3.98% | -115 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.76% | 1.64% | 1.62% | 1.58% | 2.04% | +27 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.15% | 10.30% | 10.51% | 10.54% | 10.22% | +6 bps | |
| Net Worth / Assets | 10.15% | 10.30% | 10.51% | 10.54% | 10.22% | +6 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.85% | 80.53% | 80.65% | 77.80% | 80.12% | +27 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |