Milwaukee, WI · Charter 67134
Q2 2015
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 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.51% | -0.26% | -0.24% | 0.27% | 0.16% | +67 bps | |
| Return on Equity | -3.31% | -1.67% | -1.33% | 1.44% | 1.03% | +435 bps | |
| Net Interest Margin | 2.70% | 2.86% | 3.33% | 3.37% | 2.69% | -1 bps | |
| Efficiency Ratio | 110.06% | 101.14% | 99.44% | 84.58% | 86.29% | -2,377 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.51% | 5.79% | -7.54% | -12.80% | -0.34% | -585 bps | |
| Loan Growth (YoY) | 29.26% | 27.09% | 30.77% | 4.03% | -8.47% | -3,773 bps | |
| Share Growth (YoY) | -3.08% | -2.70% | -9.36% | -10.17% | 10.40% | +1,347 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.89% | 1.43% | 2.26% | 1.60% | 2.49% | +60 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.50% | 2.80% | 2.91% | 3.17% | 3.46% | +96 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.40% | 15.84% | 18.27% | 18.57% | 15.58% | +18 bps | |
| Net Worth / Assets | 15.40% | 15.84% | 18.27% | 18.57% | 15.58% | +18 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.48% | 67.95% | 74.94% | 72.02% | 56.78% | -1,170 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |