Milwaukee, WI · Charter 67136
Q1 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2012, the quarter ended March 31, 2012, 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 67136
Q1 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 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.01% | -0.91% | -1.10% | -1.17% | -1.14% | -13 bps | |
| Return on Equity | -3.67% | -3.35% | -4.25% | -4.43% | -4.45% | -78 bps | |
| Net Interest Margin | 3.38% | 3.43% | 3.37% | 3.46% | 3.34% | -4 bps | |
| Efficiency Ratio | 129.52% | 126.15% | 132.33% | 133.24% | 133.92% | +440 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.84% | 6.96% | 0.68% | 0.14% | 2.32% | -252 bps | |
| Loan Growth (YoY) | 6.28% | 8.89% | 7.71% | 6.82% | -9.30% | -1,558 bps | |
| Share Growth (YoY) | 10.36% | 13.04% | 3.79% | 2.56% | 4.98% | -538 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.39% | 0.00% | 0.00% | 0.00% | 0.00% | -39 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.18% | 2.07% | 2.12% | 2.19% | 2.41% | +22 bps | |
| Capital | |||||||
| Risk-Based Capital | 27.44% | 27.03% | 25.86% | 26.29% | 25.63% | -181 bps | |
| Net Worth / Assets | 27.44% | 27.03% | 25.86% | 26.29% | 25.63% | -181 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 61.35% | 63.87% | 59.49% | 59.54% | 53.01% | -834 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |