PackageTrendsPeer
Letter portraitLegal landscape

Webcrafters Employes'

Madison, WI · Charter 66419

Q3 2014

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 2014, the quarter ended September 30, 2014, 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

Webcrafters Employes'

Madison, WI · Charter 66419

Q3 2014

$521KAssets
$4KLoans
$270KShares
$250KNet 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 -205.48%, down 20,420 bps year over year; NIM at -188.33%.
  • Asset quality: problem loans at 100.00% of loans (+9,380 bps YoY).
  • Capital: net worth / assets of 48.02%, down 991 bps from a year ago.
  • Funding: loans stand at 1.55% of shares as of Q3 2014.

Financial Results

Return on Assets (YTD, annualized)

-205%-20,420 bps YoY

Net Interest Margin (YTD, annualized)

-188.33%-19,010 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

48.02%-991 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets-1.28%-1.56%-1.85%-261%-205%-20,420 bps
Return on Equity-2.22%-2.60%-3.18%-609%-428%-42,573 bps
Net Interest Margin1.77%1.81%1.55%-249%-188.33%-19,010 bps
Efficiency Ratio161.33%162.60%185.63%n/an/an/a
Growth
Asset Growth (YoY)-1.24%-3.37%-0.84%-66.90%-71.61%-7,036 bps
Loan Growth (YoY)-39.95%-34.86%-17.16%-44.46%-98.72%-5,877 bps
Share Growth (YoY)-0.49%-4.85%2.25%-54.97%-64.76%-6,427 bps
Asset Quality
Delinquent Loans / Loans6.20%2.04%3.35%2.06%100.00%+9,380 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.82%1.17%1.83%0.04%1.77%-5 bps
Capital
Risk-Based Capital57.92%60.14%58.15%42.87%48.02%-991 bps
Net Worth / Assets57.92%60.14%58.15%42.87%48.02%-991 bps
Liquidity & Funding
Loans / Shares42.45%45.14%43.63%59.27%1.55%-4,090 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps