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Oshkosh Truck

Oshkosh, WI · Charter 66474

NCUA · 1 branch

Q4 2019

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 2019, the quarter ended December 31, 2019, 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

Oshkosh Truck

Oshkosh, WI · Charter 66474

NCUA · 1 branch

Q4 2019

$15.5MAssets
$6.3MLoans
$13.0MShares
$2.5MNet Worth

Executive Summary

  • Earnings: ROA of 0.13%, up 4 bps year over year; NIM at 3.19%.
  • Asset quality: problem loans at 0.60% of loans (+12 bps YoY).
  • Capital: net worth / assets of 15.80%, up 8 bps from a year ago.
  • Funding: loans stand at 48.12% of shares as of Q4 2019.

Return on Assets (YTD, annualized)

0.13%+4 bps YoY

Net Interest Margin (YTD, annualized)

3.19%+11 bps YoY

Efficiency Ratio (YTD, annualized)

95.19%-343 bps YoY

Net Worth / Assets

15.80%+8 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2018Q2 2018Q3 2018Q4 2018Q1 2019Q2 2019Q3 2019Q4 2019YoY ΔTrend
Earnings
Return on Assets0.70%0.51%0.61%0.09%-0.14%0.03%0.20%0.13%+4 bps
Return on Equity4.66%3.40%3.82%0.58%-0.94%0.20%1.28%0.83%+24 bps
Net Interest Margin2.82%2.88%3.03%3.08%2.91%3.04%3.13%3.19%+11 bps
Efficiency Ratio88.41%92.75%88.61%98.62%103.59%99.25%93.87%95.19%-343 bps
Growth
Asset Growth (YoY)-0.08%1.24%-2.42%-5.02%-0.75%-3.30%-0.01%0.33%+535 bps
Loan Growth (YoY)-5.11%-3.16%1.05%3.84%2.28%-0.25%-2.68%1.08%-276 bps
Share Growth (YoY)-0.51%0.70%-3.43%-5.89%-1.11%-4.09%0.45%0.30%+620 bps
Asset Quality
Delinquent Loans / Loans0.53%0.38%0.38%0.48%0.54%0.61%0.49%0.60%+12 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.90%0.74%0.65%0.75%0.65%0.59%0.64%0.60%-16 bps
Capital
Risk-Based Capital15.14%15.07%15.91%15.72%15.12%15.43%15.70%15.80%+8 bps
Net Worth / Assets15.14%15.07%15.91%15.72%15.12%15.43%15.70%15.80%+8 bps
Liquidity & Funding
Loans / Shares43.58%44.20%48.04%47.75%45.07%45.97%46.54%48.12%+37 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps