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Matc

Madison, WI · Charter 66603

Q3 2008

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 2008, the quarter ended September 30, 2008, 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

Matc

Madison, WI · Charter 66603

Q3 2008

$2.9MAssets
$1.6MLoans
$2.2MShares
$685KNet Worth

Executive Summary

  • Earnings: ROA of 0.67%, down 70 bps year over year; NIM at 3.82%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 23.80%, up 70 bps from a year ago.
  • Funding: loans stand at 73.66% of shares as of Q3 2008.

Return on Assets (YTD, annualized)

0.67%-70 bps YoY

Net Interest Margin (YTD, annualized)

3.82%-51 bps YoY

Efficiency Ratio (YTD, annualized)

82.64%+1,390 bps YoY

Net Worth / Assets

23.80%+70 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2006Q1 2007Q2 2007Q3 2007Q4 2007Q1 2008Q2 2008Q3 2008YoY ΔTrend
Earnings
Return on Assets1.18%1.52%1.38%1.37%1.50%1.16%1.14%0.67%-70 bps
Return on Equity5.24%6.71%6.02%5.93%6.03%4.89%4.74%2.82%-310 bps
Net Interest Margin4.45%4.36%4.33%4.34%4.67%4.02%4.01%3.82%-51 bps
Efficiency Ratio73.69%65.73%68.40%68.75%68.29%71.60%71.89%82.64%+1,390 bps
Growth
Asset Growth (YoY)-3.25%-5.80%-5.55%-4.97%-3.51%1.57%0.85%0.83%+580 bps
Loan Growth (YoY)1.37%-2.10%-5.58%-7.39%-0.35%-6.91%-9.40%-11.43%-403 bps
Share Growth (YoY)-5.78%-9.04%-8.78%-7.92%-7.08%0.05%-0.66%-0.41%+751 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.02%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.42%0.43%0.44%0.44%0.41%0.45%0.46%0.48%+4 bps
Capital
Risk-Based Capital22.52%22.69%22.94%23.10%24.83%23.67%24.04%23.80%+70 bps
Net Worth / Assets22.52%22.69%22.94%23.10%24.83%23.67%24.04%23.80%+70 bps
Liquidity & Funding
Loans / Shares87.25%84.48%83.85%82.82%93.58%78.61%76.48%73.66%-916 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps