Madison, WI · Charter 67207
Q2 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2000, the quarter ended June 30, 2000, 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.
Madison, WI · Charter 67207
Q2 2000
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 | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.12% | 4.74% | 3.59% | 1.16% | 0.70% | -442 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 | 4.94% | 4.40% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 63.09% | 74.98% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -18.71% | -19.04% | -12.00% | -17.70% | -1.80% | +1,691 bps | |
| Loan Growth (YoY) | -4.57% | -11.57% | -28.66% | -24.53% | -30.72% | -2,615 bps | |
| Share Growth (YoY) | -26.58% | -27.32% | -18.91% | -25.97% | 7.72% | +3,429 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.66% | 4.50% | 7.91% | 8.58% | 15.11% | +1,344 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 10.65% | 12.99% | 12.54% | 13.71% | 17.85% | +721 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 | 52.51% | 51.55% | 42.82% | 48.38% | 33.78% | -1,874 bps | |
| Liquid Assets / Assets | 58.21% | 63.07% | 61.92% | 0.00% | 63.87% | +566 bps | |