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Police

Green Bay, WI · Charter 66433

NCUA · 1 branch

Q1 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: Q1 2017, the quarter ended March 31, 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

Police

Green Bay, WI · Charter 66433

NCUA · 1 branch

Q1 2017

$1.2MAssets
$920KLoans
$1.1MShares
$126KNet 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 -16.56%, down 1,658 bps year over year; NIM at -12.36%.
  • Asset quality: problem loans at 0.00% of loans (-68 bps YoY).
  • Capital: net worth / assets of 10.51%, down 334 bps from a year ago.
  • Funding: loans stand at 86.17% of shares as of Q1 2017.

Financial Results

Return on Assets (YTD, annualized)

-16.56%-1,658 bps YoY

Net Interest Margin (YTD, annualized)

-12.36%-1,499 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

10.51%-334 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2016Q2 2016Q3 2016Q4 2016Q1 2017YoY ΔTrend
Earnings
Return on Assets0.02%0.04%0.04%0.05%-16.56%-1,658 bps
Return on Equity0.11%0.27%0.27%0.32%-157.62%-15,773 bps
Net Interest Margin2.63%2.55%2.63%2.68%-12.36%-1,499 bps
Efficiency Ratio99.06%98.35%98.42%98.21%n/an/a
Growth
Asset Growth (YoY)-5.54%-3.52%1.38%0.90%-5.20%+35 bps
Loan Growth (YoY)-14.20%-15.77%-10.62%-8.58%-11.58%+262 bps
Share Growth (YoY)-6.92%-3.83%2.02%1.14%-1.07%+584 bps
Asset Quality
Delinquent Loans / Loans0.68%0.21%0.00%0.00%0.00%-68 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.04%1.03%1.08%1.10%1.05%+1 bps
Capital
Risk-Based Capital13.84%13.86%13.97%14.28%10.51%-334 bps
Net Worth / Assets13.84%13.86%13.97%14.28%10.51%-334 bps
Liquidity & Funding
Loans / Shares96.41%97.02%93.77%94.22%86.17%-1,024 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps