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Lake Superior Refinery

Superior, WI · Charter 66496

NCUA · 2 branches

Q4 2016

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 2016, the quarter ended December 31, 2016, 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

Lake Superior Refinery

Superior, WI · Charter 66496

NCUA · 2 branches

Q4 2016

$1.2MAssets
$788KLoans
$1.1MShares
$127KNet Worth

Executive Summary

  • Earnings: ROA of -3.31%, down 332 bps year over year; NIM at 1.42%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 10.59%, down 355 bps from a year ago.
  • Funding: loans stand at 73.70% of shares as of Q4 2016.

Return on Assets (YTD, annualized)

-3.31%-332 bps YoY

Net Interest Margin (YTD, annualized)

1.42%-198 bps YoY

Efficiency Ratio (YTD, annualized)

304%+21,333 bps YoY

Net Worth / Assets

10.59%-355 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2015Q2 2015Q3 2015Q4 2015Q1 2016Q2 2016Q3 2016Q4 2016YoY ΔTrend
Earnings
Return on Assets0.32%0.14%0.11%0.01%-1.55%-1.07%-0.50%-3.31%-332 bps
Return on Equity2.26%0.99%0.77%0.08%-11.82%-8.10%-4.05%-31.25%-3,133 bps
Net Interest Margin3.82%3.44%3.38%3.40%2.91%3.06%3.09%1.42%-198 bps
Efficiency Ratio91.60%95.99%95.47%90.64%113.14%110.03%100.94%304%+21,333 bps
Growth
Asset Growth (YoY)-11.58%-4.45%-2.63%0.28%4.81%2.26%11.23%1.76%+148 bps
Loan Growth (YoY)7.42%-10.01%-30.42%-27.46%-19.08%-4.20%15.08%17.96%+4,542 bps
Share Growth (YoY)-13.10%-5.01%-2.70%0.37%6.24%3.47%6.88%5.94%+557 bps
Asset Quality
Delinquent Loans / Loans4.09%4.66%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.87%2.13%0.00%0.11%0.72%0.96%1.01%1.10%+99 bps
Capital
Risk-Based Capital14.25%14.05%14.18%14.14%13.14%13.15%12.31%10.59%-355 bps
Net Worth / Assets14.25%14.05%14.18%14.14%13.14%13.15%12.31%10.59%-355 bps
Liquidity & Funding
Loans / Shares86.67%74.74%67.62%66.19%66.01%69.20%72.81%73.70%+751 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps