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Badger

Peshtigo, WI · Charter 66398

NCUA · 1 branch

Q3 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: Q3 2017, the quarter ended September 30, 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

Badger

Peshtigo, WI · Charter 66398

NCUA · 1 branch

Q3 2017

$14.7MAssets
$10.8MLoans
$12.8MShares
$1.8MNet Worth

Executive Summary

  • Earnings: ROA of -4.34%, down 448 bps year over year; NIM at 3.24%.
  • Asset quality: problem loans at 0.20% of loans (+2 bps YoY).
  • Capital: net worth / assets of 12.47%, down 284 bps from a year ago.
  • Funding: loans stand at 84.41% of shares as of Q3 2017.

Return on Assets (YTD, annualized)

-4.34%-448 bps YoY

Net Interest Margin (YTD, annualized)

3.24%-8 bps YoY

Efficiency Ratio (YTD, annualized)

218%+12,217 bps YoY

Net Worth / Assets

12.47%-284 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2015Q1 2016Q2 2016Q3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets0.44%-0.12%0.04%0.14%0.27%-0.09%-5.28%-4.34%-448 bps
Return on Equity2.87%-0.76%0.24%0.93%1.75%-0.57%-40.90%-34.81%-3,574 bps
Net Interest Margin3.33%3.23%3.31%3.32%3.33%3.23%3.30%3.24%-8 bps
Efficiency Ratio94.17%103.19%99.03%96.31%96.06%102.40%242%218%+12,217 bps
Growth
Asset Growth (YoY)0.14%-0.83%-1.08%0.33%1.19%1.12%0.73%-1.60%-192 bps
Loan Growth (YoY)4.14%3.07%2.21%4.32%2.00%1.70%2.54%-3.01%-734 bps
Share Growth (YoY)-0.33%-1.45%-1.78%-0.06%1.08%1.02%3.74%1.89%+195 bps
Asset Quality
Delinquent Loans / Loans0.00%0.23%0.19%0.18%0.00%0.00%0.07%0.20%+2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.69%0.70%0.65%0.63%0.48%0.48%0.48%0.49%-14 bps
Capital
Risk-Based Capital15.45%15.20%15.41%15.31%15.54%15.31%12.91%12.47%-284 bps
Net Worth / Assets15.45%15.20%15.41%15.31%15.54%15.31%12.91%12.47%-284 bps
Liquidity & Funding
Loans / Shares86.74%85.42%87.01%88.67%87.52%85.99%86.00%84.41%-427 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps