PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

G B C I

Green Bay, WI · Charter 66382

Q3 2013

$1.8MAssets
$1.3MLoans
$1.4MShares
$455KNet 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 -0.26%, down 21 bps year over year; NIM at 3.09%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 24.71%, up 227 bps from a year ago.
  • Funding: loans stand at 95.51% of shares as of Q3 2013.

Financial Results

Return on Assets (quarter, annualized)

-0.26%-21 bps YoY

Net Interest Margin (quarter, annualized)

3.09%-9 bps YoY

Efficiency Ratio (quarter, annualized)

108.26%+677 bps YoY

Net Worth / Assets

24.71%+227 bps YoY

Discrete quarter, annualized.

MetricQ3 2012Q4 2012Q1 2013Q2 2013Q3 2013YoY ΔTrend
Earnings
Return on Assets-0.05%0.02%-0.13%-0.15%-0.26%-21 bps
Return on Equity-0.21%0.07%-0.58%-0.62%-1.04%-83 bps
Net Interest Margin3.19%3.40%2.90%3.12%3.09%-9 bps
Efficiency Ratio101.49%99.53%104.59%104.67%108.26%+677 bps
Growth
Asset Growth (YoY)-5.22%-7.05%-5.24%-7.22%-9.44%-422 bps
Loan Growth (YoY)-8.02%-7.31%-3.72%-3.11%-9.33%-131 bps
Share Growth (YoY)-6.88%-9.04%-6.78%-9.16%-12.01%-513 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.14%2.17%2.25%2.33%2.36%+22 bps
Capital
Risk-Based Capital22.44%23.61%23.30%23.86%24.71%+227 bps
Net Worth / Assets22.44%23.61%23.30%23.86%24.71%+227 bps
Liquidity & Funding
Loans / Shares92.69%96.99%92.28%92.03%95.51%+282 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps