PackageTrendsPeer
Letter portraitLegal landscape

Pruden Employees

Evansville, WI · Charter 66762

Q4 2002

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 2002, the quarter ended December 31, 2002, 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

Pruden Employees

Evansville, WI · Charter 66762

Q4 2002

$412KAssets
$269KLoans
$330KShares
$81KNet 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 -0.59%, down 234 bps year over year; NIM at 6.68%.
  • Asset quality: problem loans at 2.50% of loans (+162 bps YoY).
  • Capital: net worth / assets of 19.66%, up 117 bps from a year ago.
  • Funding: loans stand at 81.43% of shares as of Q4 2002.

Financial Results

Return on Assets (YTD, annualized)

-0.59%-234 bps YoY

Net Interest Margin (YTD, annualized)

6.68%-126 bps YoY

Efficiency Ratio (YTD, annualized)

108.67%+3,053 bps YoY

Net Worth / Assets

19.66%+117 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2001Q4 2001Q2 2002Q3 2002Q4 2002YoY ΔTrend
Earnings
Return on Assets1.75%0.73%0.06%-0.08%-0.59%-234 bps
Return on Equity9.49%3.84%0.30%-0.40%-2.99%-1,247 bps
Net Interest Margin7.93%7.73%6.74%6.73%6.68%-126 bps
Efficiency Ratio78.14%81.84%104.76%104.87%108.67%+3,053 bps
Growth
Asset Growth (YoY)-6.99%1.44%-1.97%-1.90%-9.55%-256 bps
Loan Growth (YoY)7.65%0.51%-22.93%-26.30%-32.52%-4,017 bps
Share Growth (YoY)-10.59%0.52%-3.82%-3.15%-10.69%-10 bps
Asset Quality
Delinquent Loans / Loans0.89%2.20%5.05%2.37%2.50%+162 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.41%0.80%0.65%0.65%1.01%+61 bps
Capital
Risk-Based Capital18.49%18.95%19.04%19.02%19.66%+117 bps
Net Worth / Assets18.49%18.95%19.04%19.02%19.66%+117 bps
Liquidity & Funding
Loans / Shares107.79%95.98%80.78%82.13%81.43%-2,635 bps
Liquid Assets / Assets9.81%19.91%31.15%31.69%33.34%+2,353 bps