PackageTrendsPeer
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Brown County Employees

Green Bay, WI · Charter 66635

NCUA · 1 branch

Q3 2017

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 2017, the quarter ended September 30, 2017, 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

Brown County Employees

Green Bay, WI · Charter 66635

NCUA · 1 branch

Q3 2017

$17.4MAssets
$6.4MLoans
$13.8MShares
$3.6MNet 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 0.07%, up 3 bps year over year; NIM at 2.08%.
  • Asset quality: problem loans at 0.72% of loans (-5 bps YoY).
  • Capital: net worth / assets of 20.44%, up 97 bps from a year ago.
  • Funding: loans stand at 46.23% of shares as of Q3 2017.

Financial Results

Return on Assets (YTD, annualized)

0.07%+3 bps YoY

Net Interest Margin (YTD, annualized)

2.08%-10 bps YoY

Efficiency Ratio (YTD, annualized)

101.52%+746 bps YoY

Net Worth / Assets

20.44%+97 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets0.05%0.01%-0.11%-0.02%0.07%+3 bps
Return on Equity0.24%0.06%-0.54%-0.09%0.36%+13 bps
Net Interest Margin2.18%2.22%2.08%2.03%2.08%-10 bps
Efficiency Ratio94.06%96.20%109.53%103.10%101.52%+746 bps
Growth
Asset Growth (YoY)-2.15%-3.82%-4.72%-4.37%-4.58%-243 bps
Loan Growth (YoY)-8.19%-13.94%-15.87%-10.25%-17.20%-901 bps
Share Growth (YoY)-2.71%-4.75%-5.87%-5.45%-5.76%-305 bps
Asset Quality
Delinquent Loans / Loans0.77%0.74%0.74%0.72%0.72%-5 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.87%0.85%0.93%0.94%0.81%-6 bps
Capital
Risk-Based Capital19.48%20.19%20.32%20.28%20.44%+97 bps
Net Worth / Assets19.48%20.19%20.32%20.28%20.44%+97 bps
Liquidity & Funding
Loans / Shares52.61%49.49%46.99%47.03%46.23%-638 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps