PackageTrendsPeer
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Marinette Community

Marinette, WI · Charter 66489

Q2 2002

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: Q2 2002, the quarter ended June 30, 2002, 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

Marinette Community

Marinette, WI · Charter 66489

Q2 2002

$7.7MAssets
$5.5MLoans
$7.4MShares
$333KNet Worth

Executive Summary

  • Earnings: ROA of -7.25%, down 860 bps year over year; NIM at 4.75%.
  • Asset quality: problem loans at 1.49% of loans (-78 bps YoY).
  • Capital: net worth / assets of 4.32%.
  • Funding: loans stand at 74.32% of shares as of Q2 2002.

Return on Assets (YTD, annualized)

-7.25%-860 bps YoY

Net Interest Margin (YTD, annualized)

4.75%+2 bps YoY

Efficiency Ratio (YTD, annualized)

88.38%+2,513 bps YoY

Net Worth / Assets

4.32%

Year to date, annualized, through each quarter.

MetricQ4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001Q2 2002YoY ΔTrend
Earnings
Return on Assets5.85%6.17%0.82%1.35%1.25%0.78%0.00%-7.25%-860 bps
Return on Equityn/an/an/an/a12.80%8.77%0.00%-168.10%n/a
Net Interest Marginn/an/a4.49%4.73%4.97%4.33%3.89%4.75%+2 bps
Efficiency Ration/an/a63.54%63.25%64.80%72.89%70.21%88.38%+2,513 bps
Growth
Asset Growth (YoY)56.34%35.31%30.62%21.44%14.88%26.93%24.58%15.53%-592 bps
Loan Growth (YoY)61.72%45.52%38.19%35.15%24.92%10.13%2.66%-6.64%-4,179 bps
Share Growth (YoY)56.63%34.49%29.81%20.51%13.62%27.42%26.44%21.95%+145 bps
Asset Quality
Delinquent Loans / Loans1.84%1.67%1.11%2.28%2.14%3.66%4.92%1.49%-78 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.64%0.71%0.65%1.19%1.16%1.15%1.89%2.95%+176 bps
Capital
Risk-Based Capitaln/an/an/an/a9.74%8.90%7.80%4.32%n/a
Net Worth / Assetsn/an/an/an/a9.74%8.90%7.80%4.32%n/a
Liquidity & Funding
Loans / Shares89.14%94.27%94.08%97.08%98.01%81.48%76.39%74.32%-2,276 bps
Liquid Assets / Assets15.13%9.77%1.58%3.65%7.78%18.24%19.12%9.61%+596 bps