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Two Rivers Community

Two Rivers, WI · Charter 66473

Q4 2015

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 2015, the quarter ended December 31, 2015, 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

Two Rivers Community

Two Rivers, WI · Charter 66473

Q4 2015

$6.4MAssets
$1.9MLoans
$4.9MShares
$822KNet 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 -15.45%, down 1,442 bps year over year; NIM at -8.85%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 12.79%, down 1,258 bps from a year ago.
  • Funding: loans stand at 39.10% of shares as of Q4 2015.

Financial Results

Return on Assets (YTD, annualized)

-15.45%-1,442 bps YoY

Net Interest Margin (YTD, annualized)

-8.85%-1,094 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

12.79%-1,258 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2014Q1 2015Q2 2015Q3 2015Q4 2015YoY ΔTrend
Earnings
Return on Assets-1.03%-1.04%-1.14%-1.24%-15.45%-1,442 bps
Return on Equity-4.06%-4.17%-4.50%-4.75%-120.81%-11,675 bps
Net Interest Margin2.09%1.88%1.92%1.98%-8.85%-1,094 bps
Efficiency Ratio146.86%154.13%158.17%161.14%n/an/a
Growth
Asset Growth (YoY)-5.02%-4.17%-7.78%-9.89%-10.17%-515 bps
Loan Growth (YoY)-10.78%-10.93%-11.41%-13.42%-15.26%-448 bps
Share Growth (YoY)-5.37%-4.17%-8.90%-11.69%-8.06%-269 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.05%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.40%0.41%0.43%0.44%0.06%-34 bps
Capital
Risk-Based Capital25.37%24.90%25.38%26.03%12.79%-1,258 bps
Net Worth / Assets25.37%24.90%25.38%26.03%12.79%-1,258 bps
Liquidity & Funding
Loans / Shares42.42%40.27%40.46%40.78%39.10%-332 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps