Kenosha, WI · Charter 67217
Q1 2005
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 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.07% | -0.35% | -0.12% | 0.15% | 1.29% | +122 bps | |
| Return on Equity | 0.43% | -2.15% | -0.85% | 1.01% | 5.87% | +544 bps | |
| Net Interest Margin | 15.51% | 2.54% | 2.34% | 2.59% | 3.48% | -1,203 bps | |
| Efficiency Ratio | 99.54% | 113.66% | 105.02% | 94.38% | 62.89% | -3,665 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -14.87% | -17.45% | -10.27% | -4.69% | -22.21% | -734 bps | |
| Loan Growth (YoY) | -25.98% | 20.80% | 424% | 515% | 39.94% | +6,592 bps | |
| Share Growth (YoY) | -17.08% | -19.80% | -30.11% | -26.28% | -27.01% | -993 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.73% | 2.37% | 0.70% | 0.00% | 0.00% | -373 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 37.85% | 24.03% | 7.06% | 6.68% | 24.39% | -1,347 bps | |
| Capital | |||||||
| Risk-Based Capital | 16.66% | 16.15% | 13.75% | 14.43% | 22.01% | +536 bps | |
| Net Worth / Assets | 16.66% | 16.15% | 13.75% | 14.43% | 22.01% | +536 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 19.34% | 29.58% | 105.01% | 105.37% | 37.09% | +1,774 bps | |
| Liquid Assets / Assets | 88.00% | 78.89% | 31.90% | 32.65% | 74.94% | -1,306 bps | |