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Rapids Municipal

Wisconsin Rapid, WI · Charter 66656

Q4 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: Q4 2008, the quarter ended December 31, 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

Rapids Municipal

Wisconsin Rapid, WI · Charter 66656

Q4 2008

$5.9MAssets
$6.6MLoans
$5.2MShares
$277KNet 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 -16.67%, down 1,772 bps year over year; NIM at 5.36%.
  • Asset quality: problem loans at 7.57% of loans (+735 bps YoY).
  • Capital: net worth / assets of 4.69%, down 1,137 bps from a year ago.
  • Funding: loans stand at 127.65% of shares as of Q4 2008.

Financial Results

Return on Assets (YTD, annualized)

-16.67%-1,772 bps YoY

Net Interest Margin (YTD, annualized)

5.36%+217 bps YoY

Efficiency Ratio (YTD, annualized)

123.23%+5,627 bps YoY

Net Worth / Assets

4.69%-1,137 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2007Q1 2008Q2 2008Q3 2008Q4 2008YoY ΔTrend
Earnings
Return on Assets1.06%1.20%1.21%1.13%-16.67%-1,772 bps
Return on Equity6.57%7.17%7.07%6.49%-355%-36,171 bps
Net Interest Margin3.19%3.41%3.43%3.36%5.36%+217 bps
Efficiency Ratio66.95%64.77%64.90%66.33%123.23%+5,627 bps
Growth
Asset Growth (YoY)1.27%-4.54%-5.38%-5.92%-24.74%-2,601 bps
Loan Growth (YoY)-3.75%-4.13%-2.72%-2.97%-5.38%-163 bps
Share Growth (YoY)-0.05%-6.69%-8.35%-8.99%-20.06%-2,001 bps
Asset Quality
Delinquent Loans / Loans0.23%0.00%0.00%0.00%7.57%+735 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.50%0.51%0.51%0.51%14.31%+1,381 bps
Capital
Risk-Based Capital16.07%16.75%17.04%17.42%4.69%-1,137 bps
Net Worth / Assets16.07%16.75%17.04%17.42%4.69%-1,137 bps
Liquidity & Funding
Loans / Shares107.85%108.57%110.50%113.07%127.65%+1,981 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps