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U. W. Employees

Madison, WI · Charter 66453

Q1 2013

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 2013, the quarter ended March 31, 2013, 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

U. W. Employees

Madison, WI · Charter 66453

Q1 2013

$13.3MAssets
$4.6MLoans
$11.3MShares
$1.9MNet Worth

Executive Summary

  • Earnings: ROA of -2.16%, down 66 bps year over year; NIM at 2.40%.
  • Asset quality: problem loans at 4.11% of loans (+79 bps YoY).
  • Capital: net worth / assets of 14.56%, down 144 bps from a year ago.
  • Funding: loans stand at 40.86% of shares as of Q1 2013.

Return on Assets (YTD, annualized)

-2.16%-66 bps YoY

Net Interest Margin (YTD, annualized)

2.40%-20 bps YoY

Efficiency Ratio (YTD, annualized)

161.09%+2,112 bps YoY

Net Worth / Assets

14.56%-144 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012Q3 2012Q4 2012Q1 2013YoY ΔTrend
Earnings
Return on Assets-0.86%-1.05%-1.21%-1.50%-1.50%-1.54%-1.56%-2.16%-66 bps
Return on Equity-4.99%-6.18%-7.27%-9.39%-9.77%-9.90%-10.16%-14.83%-544 bps
Net Interest Margin3.19%3.13%3.06%2.60%2.50%2.59%2.56%2.40%-20 bps
Efficiency Ratio116.26%121.94%122.27%139.97%140.64%140.20%138.68%161.09%+2,112 bps
Growth
Asset Growth (YoY)-1.50%4.39%3.72%2.92%2.91%-0.51%-1.32%-1.58%-450 bps
Loan Growth (YoY)-15.85%-15.98%-20.45%-14.69%-11.29%-10.79%-7.66%-6.65%+804 bps
Share Growth (YoY)-0.75%7.15%6.38%5.33%5.42%1.25%0.31%0.15%-518 bps
Asset Quality
Delinquent Loans / Loans3.31%3.58%3.32%3.32%3.21%2.95%4.05%4.11%+79 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.12%1.03%1.27%1.45%1.48%1.41%1.61%1.79%+34 bps
Capital
Risk-Based Capital17.34%17.02%16.65%16.00%15.35%15.53%15.31%14.56%-144 bps
Net Worth / Assets17.34%17.02%16.65%16.00%15.35%15.53%15.31%14.56%-144 bps
Liquidity & Funding
Loans / Shares49.88%48.78%46.86%43.84%41.98%42.98%43.13%40.86%-298 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps