Wales, WI · Charter 66887
Q1 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2003, the quarter ended March 31, 2003, 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.
Wales, WI · Charter 66887
Q1 2003
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 2001 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.02% | 0.05% | 0.17% | 0.04% | -0.19% | -21 bps | |
| Return on Equity | 0.09% | 0.25% | 0.87% | 0.20% | -1.05% | -114 bps | |
| Net Interest Margin | 5.24% | 4.76% | 5.16% | 4.48% | 5.28% | +4 bps | |
| Efficiency Ratio | 90.65% | 83.71% | 86.63% | 87.61% | 103.47% | +1,282 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.11% | 11.77% | 20.81% | 21.83% | 14.71% | +1,159 bps | |
| Loan Growth (YoY) | 5.44% | 26.41% | 14.23% | 4.75% | 8.43% | +298 bps | |
| Share Growth (YoY) | 3.79% | 16.90% | 30.55% | 30.43% | 20.43% | +1,664 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.87% | 8.98% | 22.47% | 21.37% | 20.95% | +1,208 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.80% | 6.69% | 7.13% | 7.03% | 6.99% | +219 bps | |
| Capital | |||||||
| Risk-Based Capital | 21.90% | 19.63% | 19.69% | 18.61% | 17.96% | -395 bps | |
| Net Worth / Assets | 21.90% | 19.63% | 19.69% | 18.61% | 17.96% | -395 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 85.88% | 86.80% | 81.29% | 80.06% | 77.32% | -856 bps | |
| Liquid Assets / Assets | 35.52% | 34.18% | 38.66% | 38.74% | 40.37% | +485 bps | |