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Wreco

Hartford, IL · Charter 4727

Q3 2002

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: Q3 2002, the quarter ended September 30, 2002, 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

Wreco

Hartford, IL · Charter 4727

Q3 2002

$3.3MAssets
$1.0MLoans
$3.0MShares
$335KNet 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 -13.92%, down 1,447 bps year over year; NIM at -11.27%.
  • Asset quality: problem loans at 5.51% of loans (+218 bps YoY).
  • Capital: net worth / assets of 10.08%, down 1,408 bps from a year ago.
  • Funding: loans stand at 34.48% of shares as of Q3 2002.

Financial Results

Return on Assets (YTD, annualized)

-13.92%-1,447 bps YoY

Net Interest Margin (YTD, annualized)

-11.27%-1,378 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

10.08%-1,408 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2000Q2 2001Q4 2001Q2 2002Q3 2002YoY ΔTrend
Earnings
Return on Assets0.55%0.42%0.13%-0.06%-13.92%-1,447 bps
Return on Equity2.27%1.93%0.62%-0.30%-138.05%-14,032 bps
Net Interest Margin2.50%2.17%1.87%1.51%-11.27%-1,378 bps
Efficiency Ratio78.09%80.75%93.15%103.88%n/an/a
Growth
Asset Growth (YoY)15.60%19.84%23.08%24.34%18.48%+288 bps
Loan Growth (YoY)32.14%32.04%10.20%-5.50%-26.72%-5,886 bps
Share Growth (YoY)19.49%24.88%29.82%31.39%40.70%+2,122 bps
Asset Quality
Delinquent Loans / Loans3.33%2.69%3.17%3.72%5.51%+218 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.41%1.31%1.70%1.89%4.40%+299 bps
Capital
Risk-Based Capital24.16%21.62%20.85%19.34%10.08%-1,408 bps
Net Worth / Assets24.16%21.62%20.85%19.34%10.08%-1,408 bps
Liquidity & Funding
Loans / Shares66.21%61.20%56.30%42.61%34.48%-3,173 bps
Liquid Assets / Assets48.47%43.33%44.44%58.91%68.55%+2,008 bps