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St. Elizabeth Empls.

Appleton, WI · Charter 66729

NCUA · 3 branches

Q3 2017

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 2017, the quarter ended September 30, 2017, 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

St. Elizabeth Empls.

Appleton, WI · Charter 66729

NCUA · 3 branches

Q3 2017

$4.6MAssets
$1.9MLoans
$3.8MShares
$572KNet 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 -0.33%, down 10 bps year over year; NIM at 2.70%.
  • Asset quality: problem loans at 2.46% of loans (+180 bps YoY).
  • Capital: net worth / assets of 12.48%, down 282 bps from a year ago.
  • Funding: loans stand at 50.43% of shares as of Q3 2017.

Financial Results

Return on Assets (YTD, annualized)

-0.33%-10 bps YoY

Net Interest Margin (YTD, annualized)

2.70%-45 bps YoY

Efficiency Ratio (YTD, annualized)

100.70%-167 bps YoY

Net Worth / Assets

12.48%-282 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets-0.24%-0.12%0.04%0.15%-0.33%-10 bps
Return on Equity-1.54%-0.73%0.28%1.02%-2.68%-113 bps
Net Interest Margin3.16%3.30%3.04%2.98%2.70%-45 bps
Efficiency Ratio102.38%100.03%99.66%95.71%100.70%-167 bps
Growth
Asset Growth (YoY)-4.23%-1.02%5.29%4.49%3.31%+755 bps
Loan Growth (YoY)15.90%14.42%1.01%-17.19%-22.20%-3,810 bps
Share Growth (YoY)-4.19%-1.26%7.22%5.74%3.36%+755 bps
Asset Quality
Delinquent Loans / Loans0.66%0.40%0.10%0.90%2.46%+180 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.66%0.49%0.50%0.65%1.08%+43 bps
Capital
Risk-Based Capital15.30%16.15%14.76%15.06%12.48%-282 bps
Net Worth / Assets15.30%16.15%14.76%15.06%12.48%-282 bps
Liquidity & Funding
Loans / Shares67.00%70.83%60.01%53.62%50.43%-1,657 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps