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Appletree

West Allis, WI · Charter 66675

NCUA · 2 branches

Q1 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Milwaukee-Waukesha, WI area3

Basis

Quarter: Q1 2025, the quarter ended March 31, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets in the Milwaukee-Waukesha, WI area (n=17). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

71

Q2 2024Q1 2025peer median (50)

Asset Quality

100

Q2 2024Q1 2025peer median (50)

Profitability

22

Q2 2024Q1 2025peer median (50)

Liquidity

100

Q2 2024Q1 2025peer median

Efficiency

82

Q2 2024Q1 2025peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

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

Appletree

West Allis, WI · Charter 66675

NCUA · 2 branches

Q1 2025

$131.9MAssets
$73.5MLoans
$95.3MShares
$35.7MNet 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 0.90%, up 20 bps year over year; NIM at 2.25%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 27.05%, down 31 bps from a year ago.
  • Funding: loans stand at 77.17% of shares as of Q1 2025.

Financial Results

Return on Assets (YTD, annualized)

0.90%+20 bps YoY

Net Interest Margin (YTD, annualized)

2.25%+14 bps YoY

Efficiency Ratio (YTD, annualized)

63.06%-917 bps YoY

Net Worth / Assets

27.05%-31 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2024Q2 2024Q3 2024Q4 2024Q1 2025YoY ΔTrend
Earnings
Return on Assets0.69%0.79%0.84%0.86%0.90%+20 bps
Return on Equity2.53%2.88%3.05%3.09%3.31%+78 bps
Net Interest Margin2.11%2.17%2.21%2.25%2.25%+14 bps
Efficiency Ratio72.23%68.62%66.92%66.27%63.06%-917 bps
Growth
Asset Growth (YoY)-1.51%0.10%0.77%1.18%4.16%+567 bps
Loan Growth (YoY)-17.79%-16.21%-14.45%-12.82%-11.45%+634 bps
Share Growth (YoY)-3.23%-1.51%0.10%0.65%4.56%+779 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital27.36%27.33%27.62%27.81%27.05%-31 bps
Net Worth / Assets27.36%27.33%27.62%27.81%27.05%-31 bps
Liquidity & Funding
Loans / Shares91.12%88.37%86.09%83.57%77.17%-1,395 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Appletree

West Allis, WI · Charter 66675 · Peer group: credit unions under $1B in assets in the Milwaukee-Waukesha, WI area (n=17)

NCUA · 2 branches

Q1 2025

$131.9MAssets
$73.5MLoans
$95.3MShares
$35.7MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in the Milwaukee-Waukesha, WI area (rank 4 of 17).
  • Widest gap: net interest margin trails 94% of credit unions under $1B in assets in the Milwaukee-Waukesha, WI area (rank 16 of 17).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

0.89%

Rank 10 of 17

Net Interest Margin

2.25%

Rank 16 of 17

Efficiency Ratio

63.01%

Rank 4 of 17

Equity / Assets

27.05%

Rank 5 of 17

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.89%0.50%0.91%1.57%Beats 41%10 / 17
Return on Equity3.31%3.71%5.35%7.33%Beats 18%14 / 17
Net Interest Margin2.25%3.27%4.18%4.92%Beats 6%16 / 17
Efficiency Ratio63.01%64.71%77.58%80.55%Beats 82%4 / 17
Asset Quality
Nonperforming Loans / Loans0.00%0.35%0.46%0.82%Beats 100%4 / 17
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio27.05%10.88%17.71%27.05%Beats 71%5 / 17
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets27.05%10.88%17.70%27.05%Beats 71%5 / 17
Liquidity & Funding
Loans / Deposits77.17%54.25%77.17%89.24%47th pctl9 / 17
Loans / Assets55.77%48.44%61.23%69.98%35th pctl11 / 17
Brokered Deposits / Depositsn/aNot reported for this institution