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Worzalla Publishing Empls.

Stevens Point, WI · Charter 66578

NCUA · 1 branch

Q1 2018

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: Q1 2018, the quarter ended March 31, 2018, 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

Worzalla Publishing Empls.

Stevens Point, WI · Charter 66578

NCUA · 1 branch

Q1 2018

$1.0MAssets
$318KLoans
$875KShares
$169KNet Worth

Executive Summary

  • Earnings: ROA of -30.69%, down 3,083 bps year over year; NIM at -27.75%.
  • Asset quality: problem loans at 0.29% of loans (+29 bps YoY).
  • Capital: net worth / assets of 16.16%, down 632 bps from a year ago.
  • Funding: loans stand at 36.34% of shares as of Q1 2018.

Return on Assets (YTD, annualized)

-30.69%-3,083 bps YoY

Net Interest Margin (YTD, annualized)

-27.75%-2,925 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

16.16%-632 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2016Q3 2016Q4 2016Q1 2017Q2 2017Q3 2017Q4 2017Q1 2018YoY ΔTrend
Earnings
Return on Assets0.14%0.12%0.00%0.14%0.22%0.21%0.00%-30.69%-3,083 bps
Return on Equity0.61%0.56%0.01%0.63%0.97%0.95%0.00%-189.91%-19,054 bps
Net Interest Margin1.41%1.44%1.47%1.50%1.50%1.49%1.41%-27.75%-2,925 bps
Efficiency Ratio90.46%91.41%99.89%90.53%85.58%86.07%99.97%n/an/a
Growth
Asset Growth (YoY)-8.10%-7.90%-6.35%-4.87%-1.03%1.68%1.07%-5.82%-95 bps
Loan Growth (YoY)-7.03%-1.19%-5.69%14.46%18.94%14.35%25.61%55.64%+4,117 bps
Share Growth (YoY)-10.68%-10.50%-8.66%-6.13%-1.28%2.23%1.59%2.75%+888 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.29%+29 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans12.06%11.20%11.58%10.77%10.14%9.79%9.22%6.92%-385 bps
Capital
Risk-Based Capital22.19%22.33%22.69%22.48%22.47%22.03%22.45%16.16%-632 bps
Net Worth / Assets22.19%22.33%22.69%22.48%22.47%22.03%22.45%16.16%-632 bps
Liquidity & Funding
Loans / Shares21.05%22.87%22.69%23.99%25.36%25.58%28.05%36.34%+1,235 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps