Milwaukee, WI · Charter 67204
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 2010, 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 67204
Q1 2010
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 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.36% | 1.38% | 1.21% | 0.79% | 0.71% | +107 bps | |
| Return on Equity | -1.98% | 7.58% | 6.40% | 4.00% | 3.59% | +556 bps | |
| Net Interest Margin | 3.01% | 2.89% | 2.88% | 2.92% | 2.62% | -40 bps | |
| Efficiency Ratio | 79.43% | 72.76% | 76.39% | 82.18% | 88.86% | +943 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.45% | 7.14% | 2.81% | 5.27% | -3.84% | -829 bps | |
| Loan Growth (YoY) | 4.76% | 16.43% | -13.09% | -11.61% | -16.94% | -2,170 bps | |
| Share Growth (YoY) | 6.09% | 7.69% | 2.87% | 5.88% | -5.61% | -1,170 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.79% | 0.93% | 1.53% | 1.00% | 1.20% | +41 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.38% | 0.39% | 0.50% | 0.50% | 0.48% | +10 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.14% | 18.25% | 18.99% | 19.69% | 19.93% | +179 bps | |
| Net Worth / Assets | 18.14% | 18.25% | 18.99% | 19.69% | 19.93% | +179 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 79.44% | 90.36% | 70.86% | 78.06% | 69.91% | -953 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |