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Western States Envelope

Butler, WI · Charter 66607

Q1 2011

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 2011, the quarter ended March 31, 2011, 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 2026-10-10

Western States Envelope

Butler, WI · Charter 66607

Q1 2011

$1.0MAssets
$175KLoans
$693KShares
$304KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -1.89%, down 184 bps year over year; NIM at 2.15%.
  • Asset quality: problem loans at 5.54% of loans (+554 bps YoY).
  • Capital: net worth / assets of 30.46%, up 474 bps from a year ago.
  • Funding: loans stand at 25.21% of shares as of Q1 2011.

Financial Results

Return on Assets (YTD, annualized)

-1.89%-184 bps YoY

Net Interest Margin (YTD, annualized)

2.15%-108 bps YoY

Efficiency Ratio (YTD, annualized)

170.29%+8,687 bps YoY

Net Worth / Assets

30.46%+474 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2009Q4 2009Q1 2010Q3 2010Q1 2011YoY ΔTrend
Earnings
Return on Assets-0.05%0.08%-0.14%-0.82%-1.89%-184 bps
Return on Equity-0.19%0.26%-0.49%-3.04%-6.19%-600 bps
Net Interest Margin3.23%3.56%2.79%2.45%2.15%-108 bps
Efficiency Ratio83.42%84.15%111.00%124.35%170.29%+8,687 bps
Growth
Asset Growth (YoY)1.86%6.46%-2.51%-1.69%-19.42%-2,128 bps
Loan Growth (YoY)-27.91%-33.07%-29.76%-31.72%-47.63%-1,972 bps
Share Growth (YoY)2.61%9.59%-3.92%-1.64%-24.66%-2,727 bps
Asset Quality
Delinquent Loans / Loans0.00%0.49%0.53%6.97%5.54%+554 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.48%0.54%0.42%1.04%2.70%+222 bps
Capital
Risk-Based Capital25.71%28.96%28.64%27.08%30.46%+474 bps
Net Worth / Assets25.71%28.96%28.64%27.08%30.46%+474 bps
Liquidity & Funding
Loans / Shares36.27%39.74%35.95%29.25%25.21%-1,106 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps