PackageTrendsPeer
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G & L Employees

Fond Du Lac, WI · Charter 66651

Q3 2014

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 2014, the quarter ended September 30, 2014, 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

G & L Employees

Fond Du Lac, WI · Charter 66651

Q3 2014

$6.5MAssets
$3.3MLoans
$5.4MShares
$727KNet Worth

Executive Summary

  • Earnings: ROA of -0.19%, down 23 bps year over year; NIM at 2.85%.
  • Asset quality: problem loans at 0.04% of loans (+4 bps YoY).
  • Capital: net worth / assets of 11.26%, down 166 bps from a year ago.
  • Funding: loans stand at 61.62% of shares as of Q3 2014.

Return on Assets (YTD, annualized)

-0.19%-23 bps YoY

Net Interest Margin (YTD, annualized)

2.85%+4 bps YoY

Efficiency Ratio (YTD, annualized)

105.02%+640 bps YoY

Net Worth / Assets

11.26%-166 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2012Q1 2013Q2 2013Q3 2013Q4 2013Q1 2014Q2 2014Q3 2014YoY ΔTrend
Earnings
Return on Assets-0.45%-0.21%-0.06%0.04%0.06%-0.45%-0.22%-0.19%-23 bps
Return on Equity-3.47%-1.69%-0.53%0.28%0.44%-3.66%-1.85%-1.73%-200 bps
Net Interest Margin2.65%2.50%2.48%2.80%2.82%2.95%2.90%2.85%+4 bps
Efficiency Ratio108.40%106.18%101.82%98.62%98.10%111.48%105.65%105.02%+640 bps
Growth
Asset Growth (YoY)6.96%8.02%9.85%1.71%1.66%0.35%0.51%13.54%+1,183 bps
Loan Growth (YoY)7.00%43.86%48.91%77.38%93.55%75.94%59.18%30.30%-4,709 bps
Share Growth (YoY)8.73%9.61%8.79%1.75%0.61%0.17%3.37%10.27%+852 bps
Asset Quality
Delinquent Loans / Loans0.74%0.61%0.00%0.00%0.03%0.00%0.00%0.04%+4 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.15%1.00%0.83%0.70%0.63%0.61%0.55%0.56%-14 bps
Capital
Risk-Based Capital12.87%12.25%11.77%12.92%12.71%12.20%11.69%11.26%-166 bps
Net Worth / Assets12.87%12.25%11.77%12.92%12.71%12.20%11.69%11.26%-166 bps
Liquidity & Funding
Loans / Shares30.15%32.93%39.05%52.15%58.01%57.84%60.13%61.62%+947 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps