West Allis, WI · Charter 67234
Q2 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2009, the quarter ended June 30, 2009, 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.
West Allis, WI · Charter 67234
Q2 2009
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 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.25% | 0.58% | -0.92% | -4.58% | -2.69% | -294 bps | |
| Return on Equity | 6.80% | 13.49% | -29.10% | -247% | -163.87% | -17,067 bps | |
| Net Interest Margin | 3.57% | 3.83% | 4.02% | 3.32% | 3.28% | -29 bps | |
| Efficiency Ratio | 87.31% | 83.81% | 104.58% | 112.85% | 112.66% | +2,535 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -14.09% | -10.34% | -13.77% | -10.34% | -7.82% | +628 bps | |
| Loan Growth (YoY) | -28.04% | -15.33% | -8.71% | -4.32% | -2.51% | +2,553 bps | |
| Share Growth (YoY) | -13.80% | -11.62% | -13.26% | -8.02% | -5.55% | +825 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 9.93% | 9.09% | 9.86% | 11.78% | 10.31% | +38 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 9.34% | 7.91% | 7.90% | 7.75% | 7.47% | -188 bps | |
| Capital | |||||||
| Risk-Based Capital | 3.68% | 4.30% | 3.17% | 1.85% | 1.64% | -204 bps | |
| Net Worth / Assets | 3.68% | 4.30% | 3.17% | 1.85% | 1.64% | -204 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 83.80% | 98.12% | 99.52% | 90.50% | 86.50% | +270 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |