Appleton, WI · Charter 66934
Q2 2001
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 2000 | Q3 2000 | Q4 2000 | Q1 2001 | Q2 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.64% | 0.59% | 0.36% | 1.14% | 0.21% | -43 bps | |
| Return on Equity | n/a | n/a | 5.33% | 16.62% | 3.12% | n/a | |
| Net Interest Margin | 3.89% | 3.76% | 3.71% | 3.87% | 3.98% | +9 bps | |
| Efficiency Ratio | 82.01% | 82.21% | 86.00% | 68.49% | 88.02% | +601 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 16.28% | 20.19% | 18.05% | 16.38% | 11.58% | -469 bps | |
| Loan Growth (YoY) | 24.71% | 26.84% | 19.87% | 14.83% | 8.60% | -1,611 bps | |
| Share Growth (YoY) | 14.74% | 18.41% | 20.45% | 21.81% | 13.48% | -126 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.35% | 0.33% | 0.32% | 0.28% | 0.21% | -14 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.42% | 0.41% | 0.41% | 0.40% | 0.32% | -10 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | 6.81% | 6.87% | 6.73% | n/a | |
| Net Worth / Assets | n/a | n/a | 6.81% | 6.87% | 6.73% | n/a | |
| Liquidity & Funding | |||||||
| Loans / Shares | 104.24% | 104.87% | 104.26% | 99.44% | 99.76% | -448 bps | |
| Liquid Assets / Assets | 1.87% | 1.65% | 3.48% | 6.15% | 5.92% | +405 bps | |