Sheboygan, WI · Charter 67170
Q3 2011
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.58% | -0.84% | -2.10% | -1.60% | -2.79% | -222 bps | |
| Return on Equity | -4.07% | -6.02% | -14.22% | -11.12% | -14.91% | -1,084 bps | |
| Net Interest Margin | 2.30% | 2.52% | 2.17% | 2.32% | 3.22% | +92 bps | |
| Efficiency Ratio | 109.52% | 109.46% | 131.91% | 120.62% | 144.38% | +3,486 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -15.30% | -15.44% | -27.47% | -17.28% | -38.30% | -2,300 bps | |
| Loan Growth (YoY) | -18.63% | -27.45% | -31.79% | -12.33% | -18.93% | -29 bps | |
| Share Growth (YoY) | -17.39% | -16.56% | -29.13% | -17.74% | -41.58% | -2,419 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.78% | 5.20% | 11.32% | 2.35% | 0.00% | -678 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.72% | 1.75% | 4.64% | 1.84% | 0.41% | -332 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.16% | 13.93% | 14.75% | 14.41% | 18.73% | +457 bps | |
| Net Worth / Assets | 14.16% | 13.93% | 14.75% | 14.41% | 18.73% | +457 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 42.03% | 34.84% | 39.68% | 45.58% | 58.32% | +1,629 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |