Milwaukee, WI · Charter 68533
Q4 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2015, the quarter ended December 31, 2015, 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.
Milwaukee, WI · Charter 68533
Q4 2015
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 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -3.27% | 1.38% | 1.05% | 0.54% | -1.53% | +174 bps | |
| Return on Equity | -45.05% | 19.35% | 14.79% | 7.67% | -25.91% | +1,914 bps | |
| Net Interest Margin | 3.15% | 2.52% | 2.82% | 3.04% | 3.42% | +27 bps | |
| Efficiency Ratio | 121.77% | 81.72% | 88.89% | 87.98% | 97.62% | -2,415 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -27.26% | -21.34% | 11.20% | 7.90% | -2.19% | +2,507 bps | |
| Loan Growth (YoY) | -29.87% | -17.65% | 38.88% | 30.81% | 10.63% | +4,050 bps | |
| Share Growth (YoY) | -27.56% | -21.38% | 12.03% | 8.40% | -0.59% | +2,698 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.36% | 22.83% | 19.68% | 16.90% | 22.98% | +1,862 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.10% | 8.25% | 5.89% | 7.76% | 10.83% | +673 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.25% | 7.11% | 7.08% | 7.05% | 5.89% | -136 bps | |
| Net Worth / Assets | 7.25% | 7.11% | 7.08% | 7.05% | 5.89% | -136 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 29.08% | 26.54% | 36.36% | 40.83% | 32.36% | +328 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |