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Pioneer

Green Bay, WI · Charter 66674

Q2 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: Q2 2014, the quarter ended June 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

Pioneer

Green Bay, WI · Charter 66674

Q2 2014

$603.2MAssets
$510.8MLoans
$512.4MShares
$59.2MNet 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 1.07%, up 10 bps year over year; NIM at 3.34%.
  • Asset quality: problem loans at 0.61% of loans (+25 bps YoY).
  • Capital: net worth / assets of 9.82%, up 67 bps from a year ago.
  • Funding: loans stand at 99.67% of shares as of Q2 2014.

Financial Results

Return on Assets (YTD, annualized)

1.07%+10 bps YoY

Net Interest Margin (YTD, annualized)

3.34%+14 bps YoY

Efficiency Ratio (YTD, annualized)

71.74%-164 bps YoY

Net Worth / Assets

9.82%+67 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2013Q3 2013Q4 2013Q1 2014Q2 2014YoY ΔTrend
Earnings
Return on Assets0.97%1.08%1.02%1.05%1.07%+10 bps
Return on Equity10.59%11.60%11.14%11.04%10.90%+31 bps
Net Interest Margin3.21%3.23%3.16%3.32%3.34%+14 bps
Efficiency Ratio73.38%73.80%72.66%70.24%71.74%-164 bps
Growth
Asset Growth (YoY)7.60%8.15%12.36%6.24%5.02%-257 bps
Loan Growth (YoY)7.16%14.75%19.43%17.63%12.54%+539 bps
Share Growth (YoY)6.95%5.32%4.34%4.20%3.54%-341 bps
Asset Quality
Delinquent Loans / Loans0.36%0.41%0.57%0.42%0.61%+25 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.92%0.78%0.83%0.79%0.76%-15 bps
Capital
Risk-Based Capital9.15%9.34%9.18%9.52%9.82%+67 bps
Net Worth / Assets9.15%9.34%9.18%9.52%9.82%+67 bps
Liquidity & Funding
Loans / Shares91.70%98.98%102.28%97.57%99.67%+797 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps