Sheboygan, WI · Charter 67189
Q4 1999
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 1997 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.71% | 2.85% | -2.49% | 2.60% | -3.81% | -452 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 | 5.21% | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | 87.33% | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 5.28% | 2.02% | -22.38% | -12.67% | -4.78% | -1,005 bps | |
| Loan Growth (YoY) | 5.87% | -14.90% | -25.44% | -10.01% | -18.45% | -2,431 bps | |
| Share Growth (YoY) | 7.95% | 5.18% | -17.53% | -7.45% | 4.23% | -371 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.42% | 14.92% | 14.12% | 10.43% | 17.35% | +1,493 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.26% | 2.08% | 7.90% | 7.80% | 5.95% | +469 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 | 101.47% | 77.84% | 93.15% | 95.70% | 79.39% | -2,208 bps | |
| Liquid Assets / Assets | 6.57% | 26.44% | 14.12% | 13.88% | 0.00% | -657 bps | |