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Wisconsin Lutheran H.S. Conference

Milwaukee, WI · Charter 66661

Q3 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: Q3 2008, the quarter ended September 30, 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

Wisconsin Lutheran H.S. Conference

Milwaukee, WI · Charter 66661

Q3 2008

$710KAssets
$326KLoans
$618KShares
$90KNet Worth

Executive Summary

  • Earnings: ROA of 0.06%, down 1 bps year over year; NIM at 3.27%.
  • Asset quality: problem loans at 2.57% of loans (-204 bps YoY).
  • Capital: net worth / assets of 12.70%, up 21 bps from a year ago.
  • Funding: loans stand at 52.79% of shares as of Q3 2008.

Return on Assets (YTD, annualized)

0.06%-1 bps YoY

Net Interest Margin (YTD, annualized)

3.27%+7 bps YoY

Efficiency Ratio (YTD, annualized)

98.22%+41 bps YoY

Net Worth / Assets

12.70%+21 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2006Q1 2007Q2 2007Q3 2007Q4 2007Q1 2008Q2 2008Q3 2008YoY ΔTrend
Earnings
Return on Assets0.27%0.04%0.08%0.07%0.14%0.07%0.06%0.06%-1 bps
Return on Equity2.32%0.37%0.63%0.57%1.12%0.54%0.46%0.46%-11 bps
Net Interest Margin3.33%3.13%3.25%3.20%3.32%3.42%3.42%3.27%+7 bps
Efficiency Ratio91.98%98.62%97.59%97.81%95.75%97.93%98.25%98.22%+41 bps
Growth
Asset Growth (YoY)-11.40%-4.64%-9.83%-9.33%-6.04%-9.38%-4.15%-0.95%+838 bps
Loan Growth (YoY)-5.06%-2.11%2.21%-3.18%-4.17%-5.72%-17.79%-15.75%-1,257 bps
Share Growth (YoY)-12.97%-5.41%-11.24%-10.89%-7.15%-10.78%-4.57%-0.64%+1,025 bps
Asset Quality
Delinquent Loans / Loans2.82%5.25%5.07%4.61%6.35%2.95%4.79%2.57%-204 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.93%2.01%1.84%1.94%2.01%2.13%2.24%2.30%+36 bps
Capital
Risk-Based Capital11.83%11.77%12.46%12.49%12.73%13.14%13.11%12.70%+21 bps
Net Worth / Assets11.83%11.77%12.46%12.49%12.73%13.14%13.11%12.70%+21 bps
Liquidity & Funding
Loans / Shares58.87%56.11%65.37%62.26%60.75%59.30%56.31%52.79%-947 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps