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Technical Services

Neenah, WI · Charter 66539

Q2 2005

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 2005, the quarter ended June 30, 2005, 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

Technical Services

Neenah, WI · Charter 66539

Q2 2005

$4.5MAssets
$2.9MLoans
$3.8MShares
$631KNet Worth

Executive Summary

  • Earnings: ROA of 0.88%, up 21 bps year over year; NIM at 4.03%.
  • Asset quality: problem loans at 0.12% of loans (-214 bps YoY).
  • Capital: net worth / assets of 13.96%, up 91 bps from a year ago.
  • Funding: loans stand at 77.50% of shares as of Q2 2005.

Return on Assets (YTD, annualized)

0.88%+21 bps YoY

Net Interest Margin (YTD, annualized)

4.03%-8 bps YoY

Efficiency Ratio (YTD, annualized)

81.08%-422 bps YoY

Net Worth / Assets

13.96%+91 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2003Q4 2003Q1 2004Q2 2004Q3 2004Q4 2004Q1 2005Q2 2005YoY ΔTrend
Earnings
Return on Assets0.59%0.61%0.52%0.68%0.67%0.61%0.97%0.88%+21 bps
Return on Equity4.71%4.73%4.17%5.18%5.13%4.77%7.09%6.34%+116 bps
Net Interest Margin4.09%4.11%3.95%4.11%4.02%3.91%3.93%4.03%-8 bps
Efficiency Ratio87.06%87.00%88.06%85.30%85.43%86.15%79.77%81.08%-422 bps
Growth
Asset Growth (YoY)-3.10%-5.46%-1.59%-0.99%1.45%4.77%-4.29%-1.27%-28 bps
Loan Growth (YoY)-3.26%2.05%-0.49%2.41%3.45%-2.89%-0.81%-0.36%-277 bps
Share Growth (YoY)-4.26%-7.77%-2.44%-1.91%0.81%4.22%-5.78%-4.28%-236 bps
Asset Quality
Delinquent Loans / Loans2.15%2.24%2.74%2.26%2.91%1.30%0.38%0.12%-214 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.75%0.75%0.82%0.79%0.83%0.60%0.66%0.66%-13 bps
Capital
Risk-Based Capital12.59%12.81%12.43%13.05%13.07%12.84%13.74%13.96%+91 bps
Net Worth / Assets12.59%12.81%12.43%13.05%13.07%12.84%13.74%13.96%+91 bps
Liquidity & Funding
Loans / Shares71.04%74.99%67.27%74.46%72.90%69.87%70.82%77.50%+304 bps
Liquid Assets / Assets31.45%28.38%33.98%28.44%30.69%33.54%31.95%27.99%-45 bps