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Uw - S.P.

Stevens Point, WI · Charter 66570

Q4 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: Q4 2005, the quarter ended December 31, 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

Uw - S.P.

Stevens Point, WI · Charter 66570

Q4 2005

$7.2MAssets
$3.5MLoans
$6.1MShares
$1.2MNet Worth

Executive Summary

  • Earnings: ROA of 1.04%, up 72 bps year over year; NIM at 3.50%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 15.93%, up 195 bps from a year ago.
  • Funding: loans stand at 56.80% of shares as of Q4 2005.

Return on Assets (YTD, annualized)

1.04%+72 bps YoY

Net Interest Margin (YTD, annualized)

3.50%+27 bps YoY

Efficiency Ratio (YTD, annualized)

77.45%-1,366 bps YoY

Net Worth / Assets

15.93%+195 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2004Q2 2004Q3 2004Q4 2004Q1 2005Q2 2005Q3 2005Q4 2005YoY ΔTrend
Earnings
Return on Assets0.28%0.19%0.32%0.32%1.80%1.30%0.96%1.04%+72 bps
Return on Equity2.09%1.56%2.39%2.29%12.94%9.50%6.66%6.54%+426 bps
Net Interest Margin3.17%2.85%3.12%3.24%3.04%3.08%3.25%3.50%+27 bps
Efficiency Ratio91.94%93.93%90.75%91.11%65.87%71.34%78.13%77.45%-1,366 bps
Growth
Asset Growth (YoY)5.67%7.34%2.74%-8.17%1.20%-4.66%-1.77%-6.08%+209 bps
Loan Growth (YoY)-4.58%3.14%7.44%6.69%13.72%13.94%3.58%7.19%+50 bps
Share Growth (YoY)9.49%9.08%0.86%-7.28%0.56%-6.26%1.77%-8.28%-99 bps
Asset Quality
Delinquent Loans / Loans0.04%0.00%0.00%0.00%0.02%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.28%0.26%0.25%0.25%0.24%0.23%0.24%0.23%-2 bps
Capital
Risk-Based Capital13.35%12.24%13.40%13.98%13.88%13.69%14.43%15.93%+195 bps
Net Worth / Assets13.35%12.24%13.40%13.98%13.88%13.69%14.43%15.93%+195 bps
Liquidity & Funding
Loans / Shares42.67%40.44%48.89%48.60%48.26%49.16%49.75%56.80%+820 bps
Liquid Assets / Assets22.45%19.43%18.69%20.19%18.52%32.18%33.99%30.82%+1,063 bps