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Kilowatt

Madison, WI · Charter 66384

Q2 2013

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: Q2 2013, the quarter ended June 30, 2013, 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

Kilowatt

Madison, WI · Charter 66384

Q2 2013

$20.5MAssets
$12.6MLoans
$16.9MShares
$3.6MNet 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 -1.16%, down 89 bps year over year; NIM at 2.21%.
  • Asset quality: problem loans at 0.90% of loans (+70 bps YoY).
  • Capital: net worth / assets of 17.69%, up 101 bps from a year ago.
  • Funding: loans stand at 74.42% of shares as of Q2 2013.

Financial Results

Return on Assets (YTD, annualized)

-1.16%-89 bps YoY

Net Interest Margin (YTD, annualized)

2.21%+34 bps YoY

Efficiency Ratio (YTD, annualized)

148.28%+3,443 bps YoY

Net Worth / Assets

17.69%+101 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2012Q3 2012Q4 2012Q1 2013Q2 2013YoY ΔTrend
Earnings
Return on Assets-0.27%-0.30%-0.26%-0.41%-1.16%-89 bps
Return on Equity-1.64%-1.83%-1.54%-2.45%-6.57%-494 bps
Net Interest Margin1.86%1.86%1.95%1.97%2.21%+34 bps
Efficiency Ratio113.85%115.21%112.63%119.32%148.28%+3,443 bps
Growth
Asset Growth (YoY)-4.24%-2.40%-3.69%-2.32%-9.35%-511 bps
Loan Growth (YoY)17.06%29.33%33.79%42.70%21.70%+464 bps
Share Growth (YoY)-5.05%-3.12%-4.09%-2.48%-10.45%-540 bps
Asset Quality
Delinquent Loans / Loans0.20%0.18%0.48%0.38%0.90%+70 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.56%0.51%0.44%0.41%0.39%-17 bps
Capital
Risk-Based Capital16.68%16.60%17.23%16.61%17.69%+101 bps
Net Worth / Assets16.68%16.60%17.23%16.61%17.69%+101 bps
Liquidity & Funding
Loans / Shares54.76%60.34%67.36%68.87%74.42%+1,966 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps