Onalaska, WI · Charter 67011
Q2 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2006, the quarter ended June 30, 2006, 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.
Onalaska, WI · Charter 67011
Q2 2006
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 2005 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.85% | 1.17% | 0.96% | -0.45% | -1.26% | -211 bps | |
| Return on Equity | 9.81% | 13.44% | 10.19% | -5.43% | -17.06% | -2,687 bps | |
| Net Interest Margin | 4.26% | 4.10% | 4.09% | 3.45% | 3.48% | -78 bps | |
| Efficiency Ratio | 87.06% | 82.75% | 85.20% | 105.42% | 119.77% | +3,272 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 23.41% | 27.62% | 21.21% | 30.10% | 26.38% | +297 bps | |
| Loan Growth (YoY) | 38.21% | 29.27% | 24.84% | 32.02% | 22.84% | -1,538 bps | |
| Share Growth (YoY) | 20.04% | 22.95% | 34.19% | 25.62% | 25.36% | +532 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.68% | 1.13% | 1.21% | 0.71% | 0.72% | -96 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.42% | 1.32% | 0.54% | 0.50% | 0.50% | -92 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.71% | 8.68% | 9.45% | 8.28% | 7.38% | -133 bps | |
| Net Worth / Assets | 8.71% | 8.68% | 9.45% | 8.28% | 7.38% | -133 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 108.86% | 113.30% | 107.92% | 110.65% | 106.67% | -219 bps | |
| Liquid Assets / Assets | -0.55% | 4.84% | 0.01% | 1.09% | 0.00% | +55 bps | |