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Aurora

Milwaukee, WI · Charter 66408

NCUA · 2 branches

Q4 2018

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 2018, the quarter ended December 31, 2018, 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

Aurora

Milwaukee, WI · Charter 66408

NCUA · 2 branches

Q4 2018

$57.5MAssets
$54.4MLoans
$45.8MShares
$7.3MNet 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 0.62%, down 74 bps year over year; NIM at 3.13%.
  • Asset quality: problem loans at 0.09% of loans (+8 bps YoY).
  • Capital: net worth / assets of 12.74%, down 9 bps from a year ago.
  • Funding: loans stand at 118.57% of shares as of Q4 2018.

Financial Results

Return on Assets (YTD, annualized)

0.62%-74 bps YoY

Net Interest Margin (YTD, annualized)

3.13%-18 bps YoY

Efficiency Ratio (YTD, annualized)

84.31%+1,300 bps YoY

Net Worth / Assets

12.74%-9 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2017Q1 2018Q2 2018Q3 2018Q4 2018YoY ΔTrend
Earnings
Return on Assets1.36%1.32%1.25%1.42%0.62%-74 bps
Return on Equity10.58%10.38%9.89%10.92%4.84%-574 bps
Net Interest Margin3.31%3.18%3.16%3.15%3.13%-18 bps
Efficiency Ratio71.31%69.51%71.95%68.22%84.31%+1,300 bps
Growth
Asset Growth (YoY)4.73%6.84%5.61%4.26%5.85%+112 bps
Loan Growth (YoY)14.62%10.53%7.93%2.53%2.63%-1,199 bps
Share Growth (YoY)3.67%5.78%2.57%-3.63%-2.58%-625 bps
Asset Quality
Delinquent Loans / Loans0.01%0.02%0.01%0.09%0.09%+8 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.27%0.27%0.23%0.22%0.22%-5 bps
Capital
Risk-Based Capital12.83%12.68%12.69%13.04%12.74%-9 bps
Net Worth / Assets12.83%12.68%12.69%13.04%12.74%-9 bps
Liquidity & Funding
Loans / Shares112.54%110.15%112.13%118.21%118.57%+603 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps