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Schneider Community

Green Bay, WI · Charter 66440

NCUA · 1 branch

Q1 2022

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 2022, the quarter ended March 31, 2022, 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

Schneider Community

Green Bay, WI · Charter 66440

NCUA · 1 branch

Q1 2022

$26.2MAssets
$15.1MLoans
$22.8MShares
$3.3MNet Worth

Executive Summary

  • Earnings: ROA of 0.10%, up 4 bps year over year; NIM at 2.83%.
  • Asset quality: problem loans at 0.30% of loans (-6 bps YoY).
  • Capital: net worth / assets of 12.68%, down 21 bps from a year ago.
  • Funding: loans stand at 66.30% of shares as of Q1 2022.

Return on Assets (YTD, annualized)

0.10%+4 bps YoY

Net Interest Margin (YTD, annualized)

2.83%-36 bps YoY

Efficiency Ratio (YTD, annualized)

97.75%-91 bps YoY

Net Worth / Assets

12.68%-21 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2020Q3 2020Q4 2020Q1 2021Q2 2021Q3 2021Q4 2021Q1 2022YoY ΔTrend
Earnings
Return on Assets0.08%0.11%0.03%0.06%0.23%0.18%0.09%0.10%+4 bps
Return on Equity0.56%0.73%0.24%0.47%1.81%1.40%0.71%0.77%+30 bps
Net Interest Margin3.77%3.59%3.50%3.19%3.12%3.19%3.02%2.83%-36 bps
Efficiency Ratio92.20%93.81%96.22%98.67%95.05%96.17%96.92%97.75%-91 bps
Growth
Asset Growth (YoY)7.11%11.57%17.57%20.87%15.59%10.29%13.02%2.45%-1,842 bps
Loan Growth (YoY)-8.88%-8.48%5.93%0.88%9.88%4.75%-1.35%-0.48%-135 bps
Share Growth (YoY)8.53%13.62%20.89%24.74%18.12%11.89%14.94%2.82%-2,192 bps
Asset Quality
Delinquent Loans / Loans0.61%0.65%0.53%0.37%0.26%0.18%0.14%0.30%-6 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.32%1.24%1.05%0.94%0.80%0.71%0.66%0.65%-29 bps
Capital
Risk-Based Capital14.70%14.36%14.05%12.89%12.83%13.12%12.52%12.68%-21 bps
Net Worth / Assets14.70%14.36%14.05%12.89%12.83%13.12%12.52%12.68%-21 bps
Liquidity & Funding
Loans / Shares74.50%74.13%77.86%68.50%69.30%69.40%66.83%66.30%-220 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps