Sun Prairie, WI · Charter 66831
Q3 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2008, the quarter ended September 30, 2008, 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.
Sun Prairie, WI · Charter 66831
Q3 2008
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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.43% | 0.48% | 0.59% | 0.73% | 0.67% | +24 bps | |
| Return on Equity | 4.22% | 4.88% | 6.34% | 7.81% | 7.17% | +296 bps | |
| Net Interest Margin | 2.59% | 2.52% | 2.78% | 2.89% | 2.98% | +38 bps | |
| Efficiency Ratio | 80.86% | 79.51% | 78.39% | 75.18% | 75.08% | -577 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.19% | 14.53% | 16.97% | 18.90% | 16.48% | +928 bps | |
| Loan Growth (YoY) | 10.00% | 10.86% | 10.67% | 10.91% | 9.44% | -55 bps | |
| Share Growth (YoY) | 6.21% | 6.73% | 6.66% | 9.07% | 5.15% | -106 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.07% | 1.01% | 0.94% | 1.03% | 0.96% | -11 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.79% | 0.79% | 0.79% | 0.75% | 0.78% | -1 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.12% | 9.75% | 9.34% | 9.39% | 9.35% | -77 bps | |
| Net Worth / Assets | 10.12% | 9.75% | 9.34% | 9.39% | 9.35% | -77 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 90.34% | 92.61% | 89.64% | 89.72% | 94.03% | +369 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |