PackageTrendsPeer
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Destiny

Milwaukee, WI · Charter 68580

Q1 2012

$10KAssets
$0KLoans
$6KShares
$0KNet 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 -161.94%, down 16,094 bps year over year; NIM at -5.77%.
  • Capital: net worth / assets of 0.00%, down 4,016 bps from a year ago.
  • Funding: loans stand at 0.00% of shares as of Q1 2012.

Financial Results

Return on Assets (YTD, annualized)

-161.94%-16,094 bps YoY

Net Interest Margin (YTD, annualized)

-5.77%-582 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

0.00%-4,016 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2011Q2 2011Q3 2011Q4 2011Q1 2012YoY ΔTrend
Earnings
Return on Assets-1.00%-0.62%-2.46%-14.71%-161.94%-16,094 bps
Return on Equity-2.49%-1.54%-6.17%-39.62%n/an/a
Net Interest Margin0.06%0.04%0.05%0.07%-5.77%-582 bps
Efficiency Ratio133.33%140.78%331%549%n/an/a
Growth
Asset Growth (YoY)59.67%-7.19%-12.95%-29.37%-28.51%-8,818 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Share Growth (YoY)79.49%33.01%13.12%-27.82%-23.00%-10,249 bps
Asset Quality
Delinquent Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Capital
Risk-Based Capital40.16%40.39%39.90%37.13%0.00%-4,016 bps
Net Worth / Assets40.16%40.39%39.90%37.13%0.00%-4,016 bps
Liquidity & Funding
Loans / Shares0.00%0.00%0.00%0.00%0.00%0 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps