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Community Credit Union of Milwaukee

Milwaukee, WI · Charter 67261

Q2 2004

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2004, the quarter ended June 30, 2004, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Community Credit Union of Milwaukee

Milwaukee, WI · Charter 67261

Q2 2004

$496KAssets
$267KLoans
$393KShares
$93KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -2.08%, down 256 bps year over year; NIM at 7.20%.
  • Asset quality: problem loans at 59.69% of loans (+2,588 bps YoY).
  • Capital: net worth / assets of 18.73%, up 276 bps from a year ago.
  • Funding: loans stand at 67.84% of shares as of Q2 2004.

Financial Results

Return on Assets (YTD, annualized)

-2.08%-256 bps YoY

Net Interest Margin (YTD, annualized)

7.20%+157 bps YoY

Efficiency Ratio (YTD, annualized)

123.96%+3,346 bps YoY

Net Worth / Assets

18.73%+276 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2003Q3 2003Q4 2003Q1 2004Q2 2004YoY ΔTrend
Earnings
Return on Assets0.48%-0.54%-19.32%1.02%-2.08%-256 bps
Return on Equity2.99%-3.49%n/a6.38%-11.12%-1,411 bps
Net Interest Margin5.62%4.97%5.07%5.89%7.20%+157 bps
Efficiency Ratio90.51%103.90%117.40%79.80%123.96%+3,346 bps
Growth
Asset Growth (YoY)-15.84%-11.08%-26.70%-7.05%-26.39%-1,055 bps
Loan Growth (YoY)-20.00%-30.27%-19.41%-19.73%-40.86%-2,086 bps
Share Growth (YoY)-16.95%-12.01%-7.03%-4.34%-26.10%-915 bps
Asset Quality
Delinquent Loans / Loans33.82%40.29%48.87%48.79%59.69%+2,588 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.00%4.26%26.08%4.90%7.12%+312 bps
Capital
Risk-Based Capital15.97%15.51%-3.49%15.94%18.73%+276 bps
Net Worth / Assets15.97%15.51%-3.49%15.94%18.73%+276 bps
Liquidity & Funding
Loans / Shares84.77%82.22%82.53%76.63%67.84%-1,693 bps
Liquid Assets / Assets26.85%29.06%29.06%32.58%34.84%+799 bps