PackageTrendsPeer
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Greater Milwaukee & Government Emp

Wauwatosa, WI · Charter 66528

Q3 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: Q3 2013, the quarter ended September 30, 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

Greater Milwaukee & Government Emp

Wauwatosa, WI · Charter 66528

Q3 2013

$14.3MAssets
$7.6MLoans
$12.2MShares
$2.1MNet 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 -0.37%, up 6 bps year over year; NIM at 2.36%.
  • Asset quality: problem loans at 0.61% of loans (+55 bps YoY).
  • Capital: net worth / assets of 14.37%, down 28 bps from a year ago.
  • Funding: loans stand at 62.51% of shares as of Q3 2013.

Financial Results

Return on Assets (YTD, annualized)

-0.37%+6 bps YoY

Net Interest Margin (YTD, annualized)

2.36%-12 bps YoY

Efficiency Ratio (YTD, annualized)

110.52%-63 bps YoY

Net Worth / Assets

14.37%-28 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2012Q4 2012Q1 2013Q2 2013Q3 2013YoY ΔTrend
Earnings
Return on Assets-0.43%-0.33%-0.31%-0.32%-0.37%+6 bps
Return on Equity-2.93%-2.15%-2.15%-2.20%-2.60%+33 bps
Net Interest Margin2.48%2.54%2.19%2.31%2.36%-12 bps
Efficiency Ratio111.15%108.93%109.12%109.03%110.52%-63 bps
Growth
Asset Growth (YoY)-4.86%3.21%2.81%3.55%0.02%+488 bps
Loan Growth (YoY)-1.71%2.56%4.55%17.45%17.46%+1,917 bps
Share Growth (YoY)-5.11%4.09%2.88%4.65%0.32%+543 bps
Asset Quality
Delinquent Loans / Loans0.06%0.01%0.01%0.74%0.61%+55 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.25%0.19%0.19%0.16%0.16%-9 bps
Capital
Risk-Based Capital14.64%15.16%14.27%14.49%14.37%-28 bps
Net Worth / Assets14.64%15.16%14.27%14.49%14.37%-28 bps
Liquidity & Funding
Loans / Shares53.39%55.73%54.06%63.08%62.51%+912 bps
Liquid Assets / Assets0.00%0.00%95.77%0.00%0.00%0 bps