Milwaukee, WI · Charter 67169
Q4 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1998, the quarter ended December 31, 1998, 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 67169
Q4 1998
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 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.34% | 3.01% | 3.35% | 2.88% | 0.78% | -256 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 3.80% | 2.60% | 4.87% | 9.70% | 1.61% | -219 bps | |
| Loan Growth (YoY) | 13.48% | 11.74% | 7.76% | 11.63% | 3.12% | -1,036 bps | |
| Share Growth (YoY) | 1.71% | -0.98% | 3.11% | 8.11% | 2.42% | +71 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.27% | 3.62% | 5.54% | 3.76% | 1.79% | -348 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.93% | 1.96% | 1.65% | 1.20% | 2.65% | +71 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 76.75% | 76.37% | 81.58% | 74.67% | 77.28% | +52 bps | |
| Liquid Assets / Assets | 28.36% | 30.11% | 25.58% | 29.82% | 23.23% | -513 bps | |