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Wilberforce University

Wilberforce, OH · Charter 22714

Q1 2012

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 2012, the quarter ended March 31, 2012, 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

Wilberforce University

Wilberforce, OH · Charter 22714

Q1 2012

$130KAssets
$15KLoans
$88KShares
$42KNet Worth

Executive Summary

  • Earnings: ROA of 1.03%, up 147 bps year over year; NIM at 1.88%.
  • Asset quality: problem loans at 0.00% of loans (-1,151 bps YoY).
  • Capital: net worth / assets of 32.34%, up 142 bps from a year ago.
  • Funding: loans stand at 17.04% of shares as of Q1 2012.

Return on Assets (YTD, annualized)

1.03%+147 bps YoY

Net Interest Margin (YTD, annualized)

1.88%-45 bps YoY

Efficiency Ratio (YTD, annualized)

50.66%-6,800 bps YoY

Net Worth / Assets

32.34%+142 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2009Q1 2010Q3 2010Q1 2011Q2 2011Q3 2011Q4 2011Q1 2012YoY ΔTrend
Earnings
Return on Assets-2.75%0.00%-5.73%-0.44%-4.57%-3.17%-3.71%1.03%+147 bps
Return on Equity-7.74%0.00%-20.00%-1.41%-16.23%-11.07%-10.34%3.19%+460 bps
Net Interest Margin3.02%2.83%2.44%2.34%2.13%2.13%2.62%1.88%-45 bps
Efficiency Ratio139.46%64.67%124.77%118.66%165.69%147.63%161.29%50.66%-6,800 bps
Growth
Asset Growth (YoY)4.58%7.33%8.98%-6.06%0.63%-8.67%-27.98%-12.36%-630 bps
Loan Growth (YoY)-11.00%1.52%-12.18%-24.01%-28.26%-33.94%-28.89%-26.87%-286 bps
Share Growth (YoY)12.11%16.34%23.75%0.50%12.02%-2.68%-35.24%-14.17%-1,466 bps
Asset Quality
Delinquent Loans / Loans13.35%13.93%9.44%11.51%0.00%0.00%0.00%0.00%-1,151 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans5.70%5.95%15.02%18.59%17.95%20.38%21.65%25.66%+708 bps
Capital
Risk-Based Capital35.48%33.03%28.67%30.91%28.18%28.63%35.86%32.34%+142 bps
Net Worth / Assets35.48%33.03%28.67%30.91%28.18%28.63%35.86%32.34%+142 bps
Liquidity & Funding
Loans / Shares30.85%26.26%21.70%20.00%19.76%17.83%23.82%17.04%-296 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps