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Public Service

Kewaunee, WI · Charter 66646

Q2 2013

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: Q2 2013, the quarter ended June 30, 2013, 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

Public Service

Kewaunee, WI · Charter 66646

Q2 2013

$864KAssets
$631KLoans
$724KShares
$98KNet 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 -5.16%, down 452 bps year over year; NIM at 2.64%.
  • Asset quality: problem loans at 2.89% of loans (+189 bps YoY).
  • Capital: net worth / assets of 11.34%, down 644 bps from a year ago.
  • Funding: loans stand at 87.23% of shares as of Q2 2013.

Financial Results

Return on Assets (YTD, annualized)

-5.16%-452 bps YoY

Net Interest Margin (YTD, annualized)

2.64%+1 bps YoY

Efficiency Ratio (YTD, annualized)

295%+18,119 bps YoY

Net Worth / Assets

11.34%-644 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2012Q3 2012Q4 2012Q1 2013Q2 2013YoY ΔTrend
Earnings
Return on Assets-0.65%-0.60%-0.29%-0.56%-5.16%-452 bps
Return on Equity-3.63%-3.54%-1.52%-3.13%-45.50%-4,186 bps
Net Interest Margin2.63%2.52%2.96%2.63%2.64%+1 bps
Efficiency Ratio114.05%114.41%103.13%121.36%295%+18,119 bps
Growth
Asset Growth (YoY)13.08%15.75%6.78%3.96%-0.78%-1,385 bps
Loan Growth (YoY)17.76%10.14%17.97%18.19%-21.16%-3,892 bps
Share Growth (YoY)16.89%20.09%8.96%5.09%1.39%-1,551 bps
Asset Quality
Delinquent Loans / Loans1.00%0.35%0.33%0.31%2.89%+189 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.93%1.96%2.02%2.24%2.51%+58 bps
Capital
Risk-Based Capital17.78%16.90%18.81%17.91%11.34%-644 bps
Net Worth / Assets17.78%16.90%18.81%17.91%11.34%-644 bps
Liquidity & Funding
Loans / Shares112.17%107.14%117.24%100.07%87.23%-2,494 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps