Brillion, WI · Charter 66991
Q1 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2014, the quarter ended March 31, 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.
Brillion, WI · Charter 66991
Q1 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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.64% | 0.01% | 0.21% | 0.26% | 0.15% | +79 bps | |
| Return on Equity | -8.59% | 0.07% | 2.62% | 3.22% | 1.93% | +1,052 bps | |
| Net Interest Margin | 3.84% | 3.82% | 3.75% | 3.72% | 3.07% | -77 bps | |
| Efficiency Ratio | 79.76% | 81.22% | 80.94% | 83.67% | 95.79% | +1,603 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.99% | 4.16% | 4.11% | 2.30% | 2.19% | -280 bps | |
| Loan Growth (YoY) | -9.62% | -10.80% | -12.74% | -12.07% | -13.52% | -390 bps | |
| Share Growth (YoY) | 5.24% | 4.44% | 3.99% | 2.33% | 1.74% | -349 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.01% | 1.83% | 2.11% | 1.17% | 1.50% | -51 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.52% | 2.52% | 2.42% | 1.92% | 1.87% | -65 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.47% | 7.72% | 7.88% | 8.04% | 7.76% | +28 bps | |
| Net Worth / Assets | 7.47% | 7.72% | 7.88% | 8.04% | 7.76% | +28 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 81.42% | 80.74% | 78.40% | 75.93% | 69.20% | -1,222 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |