Milwaukee, WI · Charter 67261
Q2 2004
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 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.48% | -0.54% | -19.32% | 1.02% | -2.08% | -256 bps | |
| Return on Equity | 2.99% | -3.49% | n/a | 6.38% | -11.12% | -1,411 bps | |
| Net Interest Margin | 5.62% | 4.97% | 5.07% | 5.89% | 7.20% | +157 bps | |
| Efficiency Ratio | 90.51% | 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 / Loans | 33.82% | 40.29% | 48.87% | 48.79% | 59.69% | +2,588 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.00% | 4.26% | 26.08% | 4.90% | 7.12% | +312 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.97% | 15.51% | -3.49% | 15.94% | 18.73% | +276 bps | |
| Net Worth / Assets | 15.97% | 15.51% | -3.49% | 15.94% | 18.73% | +276 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.77% | 82.22% | 82.53% | 76.63% | 67.84% | -1,693 bps | |
| Liquid Assets / Assets | 26.85% | 29.06% | 29.06% | 32.58% | 34.84% | +799 bps | |