Milwaukee, WI · Charter 67001
Q2 2003
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2003, the quarter ended June 30, 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.
Milwaukee, WI · Charter 67001
Q2 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 | Q2 2002 | Q3 2002 | Q4 2002 | Q1 2003 | Q2 2003 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.37% | -1.68% | -1.30% | 1.24% | 0.50% | +13 bps | |
| Return on Equity | 1.20% | -5.53% | -4.22% | 4.00% | 1.60% | +39 bps | |
| Net Interest Margin | 3.89% | 4.54% | 4.10% | 4.18% | 4.01% | +12 bps | |
| Efficiency Ratio | 90.55% | 83.55% | 88.95% | 71.67% | 87.93% | -262 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.36% | -11.36% | -5.14% | -5.26% | -5.18% | +418 bps | |
| Loan Growth (YoY) | -22.01% | -18.49% | -14.82% | -38.30% | -33.70% | -1,169 bps | |
| Share Growth (YoY) | -9.07% | -8.16% | -7.81% | -6.14% | -5.83% | +324 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 9.03% | 8.83% | 9.09% | 10.41% | 10.62% | +159 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.55% | 9.65% | 10.19% | 12.35% | 13.50% | +895 bps | |
| Capital | |||||||
| Risk-Based Capital | 30.63% | 30.39% | 30.73% | 30.93% | 31.05% | +43 bps | |
| Net Worth / Assets | 30.63% | 30.39% | 30.73% | 30.93% | 31.05% | +43 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 54.50% | 53.77% | 50.45% | 41.57% | 38.37% | -1,613 bps | |
| Liquid Assets / Assets | 62.49% | 64.71% | 67.12% | 73.32% | 76.42% | +1,392 bps | |