Sheboygan, WI · Charter 67135
Q4 2012
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 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | Q4 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.27% | -1.03% | -0.88% | -0.68% | -1.30% | -104 bps | |
| Return on Equity | -2.29% | -9.23% | -7.82% | -6.25% | -11.79% | -950 bps | |
| Net Interest Margin | 3.40% | 3.16% | 3.14% | 3.08% | 3.33% | -7 bps | |
| Efficiency Ratio | 108.86% | 112.49% | 116.20% | 113.93% | 129.66% | +2,080 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -2.10% | 1.01% | -0.72% | -1.19% | -5.21% | -311 bps | |
| Loan Growth (YoY) | -10.02% | -12.11% | -9.27% | 1.59% | -7.42% | +260 bps | |
| Share Growth (YoY) | -5.60% | 1.79% | -0.02% | -0.86% | -2.05% | +354 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.38% | 2.37% | 3.28% | 2.71% | 1.00% | -38 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.25% | 0.53% | 0.54% | 0.16% | 0.12% | -13 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.71% | 11.19% | 11.21% | 10.92% | 11.05% | -66 bps | |
| Net Worth / Assets | 11.71% | 11.19% | 11.21% | 10.92% | 11.05% | -66 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.44% | 51.59% | 53.91% | 55.68% | 56.19% | -326 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |