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Eau Claire Teachers

Eau Claire, WI · Charter 66380

Q4 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: Q4 2012, the quarter ended December 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 2026-10-10

Eau Claire Teachers

Eau Claire, WI · Charter 66380

Q4 2012

$10.5MAssets
$5.5MLoans
$8.4MShares
$2.0MNet 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 0.03%, up 2 bps year over year; NIM at 3.54%.
  • Asset quality: problem loans at 0.27% of loans (-17 bps YoY).
  • Capital: net worth / assets of 19.30%, up 121 bps from a year ago.
  • Funding: loans stand at 65.78% of shares as of Q4 2012.

Financial Results

Return on Assets (YTD, annualized)

0.03%+2 bps YoY

Net Interest Margin (YTD, annualized)

3.54%-30 bps YoY

Efficiency Ratio (YTD, annualized)

99.37%-40 bps YoY

Net Worth / Assets

19.30%+121 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2011Q1 2012Q2 2012Q3 2012Q4 2012YoY ΔTrend
Earnings
Return on Assets0.01%-0.11%-0.12%0.25%0.03%+2 bps
Return on Equity0.06%-0.53%-0.62%1.31%0.15%+9 bps
Net Interest Margin3.84%3.69%3.55%3.53%3.54%-30 bps
Efficiency Ratio99.77%102.56%102.86%94.39%99.37%-40 bps
Growth
Asset Growth (YoY)23.90%20.48%3.00%3.58%8.85%-1,505 bps
Loan Growth (YoY)-1.73%3.25%-9.03%-6.31%-2.83%-111 bps
Share Growth (YoY)26.14%21.48%3.67%4.00%11.05%-1,509 bps
Asset Quality
Delinquent Loans / Loans0.44%0.35%0.26%0.18%0.27%-17 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.08%2.01%2.00%2.20%2.25%+17 bps
Capital
Risk-Based Capital18.09%20.05%19.24%19.21%19.30%+121 bps
Net Worth / Assets18.09%20.05%19.24%19.21%19.30%+121 bps
Liquidity & Funding
Loans / Shares75.18%68.63%66.75%66.10%65.78%-940 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps