PackageTrendsPeer
Letter portraitLegal landscape

St. Mary's Employees

Madison, WI · Charter 66564

NCUA · 2 branches

Q2 2023

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 2023, the quarter ended June 30, 2023, 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

St. Mary's Employees

Madison, WI · Charter 66564

NCUA · 2 branches

Q2 2023

$35.4MAssets
$23.3MLoans
$31.5MShares
$3.8MNet Worth

Executive Summary

  • Earnings: ROA of 0.74%, up 87 bps year over year; NIM at 3.49%.
  • Asset quality: problem loans at 0.59% of loans (-28 bps YoY).
  • Capital: net worth / assets of 10.61%, up 143 bps from a year ago.
  • Funding: loans stand at 74.17% of shares as of Q2 2023.

Return on Assets (YTD, annualized)

0.74%+87 bps YoY

Net Interest Margin (YTD, annualized)

3.49%+108 bps YoY

Efficiency Ratio (YTD, annualized)

72.41%-3,348 bps YoY

Net Worth / Assets

10.61%+143 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2021Q4 2021Q1 2022Q2 2022Q3 2022Q4 2022Q1 2023Q2 2023YoY ΔTrend
Earnings
Return on Assets-0.29%-0.46%0.09%-0.13%0.13%0.22%0.82%0.74%+87 bps
Return on Equity-2.92%-4.81%0.93%-1.38%1.39%2.23%8.11%6.98%+836 bps
Net Interest Margin2.87%2.79%2.41%2.42%2.51%2.76%3.28%3.49%+108 bps
Efficiency Ratio91.68%95.62%107.90%105.89%102.45%94.86%68.22%72.41%-3,348 bps
Growth
Asset Growth (YoY)-4.73%-5.94%-7.97%-4.80%2.41%-2.53%-3.29%-7.66%-286 bps
Loan Growth (YoY)-10.47%-19.44%-21.12%-15.46%-10.17%-7.87%-5.58%-9.65%+581 bps
Share Growth (YoY)-5.00%-6.15%-8.27%-4.99%2.83%-3.05%-4.07%-9.27%-428 bps
Asset Quality
Delinquent Loans / Loans0.28%0.68%0.78%0.87%0.86%0.46%0.55%0.59%-28 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.75%0.78%0.75%0.64%0.59%0.61%0.63%0.59%-5 bps
Capital
Risk-Based Capital9.78%9.54%9.41%9.18%9.41%10.01%10.14%10.61%+143 bps
Net Worth / Assets9.78%9.54%9.41%9.18%9.41%10.01%10.14%10.61%+143 bps
Liquidity & Funding
Loans / Shares86.10%80.78%75.08%74.48%75.22%76.77%73.90%74.17%-31 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps