Kaukauna, WI · Charter 66873
Q4 1996
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1996, the quarter ended December 31, 1996, 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.
Kaukauna, WI · Charter 66873
Q4 1996
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 1994 | Q2 1995 | Q4 1995 | Q2 1996 | Q4 1996 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.32% | 2.47% | 2.92% | 2.38% | 2.76% | -56 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) | n/a | n/a | n/a | -18.23% | -25.80% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | -0.62% | -4.33% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | -23.95% | -33.48% | n/a | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.66% | 1.50% | 3.07% | 12.05% | 12.81% | +816 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.63% | 3.31% | 3.23% | 3.43% | 3.23% | -41 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 | 60.54% | 71.49% | 76.94% | 78.43% | 87.08% | +2,653 bps | |
| Liquid Assets / Assets | 51.30% | 40.93% | 42.31% | 40.25% | 36.99% | -1,431 bps | |