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Windsor County South

Springfield, VT · Charter 64478

NCUA · 2 branches

Q1 2017

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 2017, the quarter ended March 31, 2017, 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

Windsor County South

Springfield, VT · Charter 64478

NCUA · 2 branches

Q1 2017

$8.1MAssets
$4.1MLoans
$7.2MShares
$914KNet Worth

Executive Summary

  • Earnings: ROA of -1.28%, down 102 bps year over year; NIM at 2.41%.
  • Asset quality: problem loans at 1.78% of loans (+165 bps YoY).
  • Capital: net worth / assets of 11.23%, down 22 bps from a year ago.
  • Funding: loans stand at 56.37% of shares as of Q1 2017.

Return on Assets (YTD, annualized)

-1.28%-102 bps YoY

Net Interest Margin (YTD, annualized)

2.41%+22 bps YoY

Efficiency Ratio (YTD, annualized)

128.04%+2,542 bps YoY

Net Worth / Assets

11.23%-22 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2015Q3 2015Q4 2015Q1 2016Q2 2016Q3 2016Q4 2016Q1 2017YoY ΔTrend
Earnings
Return on Assets-0.45%-0.73%-0.63%-0.26%0.00%0.11%-0.40%-1.28%-102 bps
Return on Equity-3.72%-6.25%-5.48%-2.25%0.01%0.94%-3.36%-11.42%-917 bps
Net Interest Margin2.20%2.20%2.21%2.19%2.25%2.30%2.38%2.41%+22 bps
Efficiency Ratio115.72%118.28%116.73%102.62%96.63%93.77%106.07%128.04%+2,542 bps
Growth
Asset Growth (YoY)13.95%18.84%7.12%2.89%-0.59%-2.29%-6.85%-3.58%-647 bps
Loan Growth (YoY)5.29%7.58%4.61%4.44%-1.20%1.58%4.44%3.46%-98 bps
Share Growth (YoY)16.37%22.93%8.97%3.96%-0.20%-2.59%-7.37%-3.29%-725 bps
Asset Quality
Delinquent Loans / Loans0.21%0.21%0.39%0.13%0.12%0.31%1.78%1.78%+165 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.16%0.23%0.23%0.15%0.16%0.16%0.21%0.40%+25 bps
Capital
Risk-Based Capital12.04%11.75%11.50%11.44%11.70%12.02%11.94%11.23%-22 bps
Net Worth / Assets12.04%11.75%11.50%11.44%11.70%12.02%11.94%11.23%-22 bps
Liquidity & Funding
Loans / Shares52.20%53.19%53.10%52.69%51.67%55.47%59.87%56.37%+368 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps