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Wufface

Richmond, IN · Charter 15028

NCUA · 1 branch

Q1 2024

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: Q1 2024, the quarter ended March 31, 2024, 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 2026-10-11

Wufface

Richmond, IN · Charter 15028

NCUA · 1 branch

Q1 2024

$5.8MAssets
$2.2MLoans
$5.2MShares
$621KNet Worth

Executive Summary

  • Earnings: ROA of 2.03%, up 163 bps year over year; NIM at 4.88%.
  • Asset quality: problem loans at 0.00% of loans (-15 bps YoY).
  • Capital: net worth / assets of 10.62%, up 203 bps from a year ago.
  • Funding: loans stand at 42.93% of shares as of Q1 2024.

Return on Assets (YTD, annualized)

2.03%+163 bps YoY

Net Interest Margin (YTD, annualized)

4.88%+230 bps YoY

Efficiency Ratio (YTD, annualized)

68.35%-2,091 bps YoY

Net Worth / Assets

10.62%+203 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2022Q3 2022Q4 2022Q1 2023Q2 2023Q3 2023Q4 2023Q1 2024YoY ΔTrend
Earnings
Return on Assets-0.73%-0.73%-0.51%0.41%0.30%0.14%0.18%2.03%+163 bps
Return on Equity-8.85%-8.87%-6.15%4.75%3.52%1.64%2.02%19.16%+1,442 bps
Net Interest Margin1.34%1.56%1.70%2.58%2.73%3.12%3.62%4.88%+230 bps
Efficiency Ratio119.79%122.19%113.96%89.26%91.09%94.94%91.24%68.35%-2,091 bps
Growth
Asset Growth (YoY)3.09%5.08%0.74%-6.18%-3.00%-1.13%-4.32%-14.92%-874 bps
Loan Growth (YoY)0.65%2.56%1.91%11.54%10.26%18.08%14.50%4.79%-675 bps
Share Growth (YoY)3.60%6.26%1.32%-6.51%-3.14%-1.27%-4.81%-16.77%-1,026 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.16%0.15%0.00%0.36%0.00%0.00%-15 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.75%0.73%0.70%0.66%0.60%0.60%0.79%0.43%-23 bps
Capital
Risk-Based Capital8.23%8.23%8.35%8.59%8.41%8.48%8.88%10.62%+203 bps
Net Worth / Assets8.23%8.23%8.35%8.59%8.41%8.48%8.88%10.62%+203 bps
Liquidity & Funding
Loans / Shares29.24%31.44%32.27%34.09%33.28%37.61%38.82%42.93%+883 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps