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Northern States Employees

La Crosse, WI · Charter 66769

Q3 2010

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 2010, the quarter ended September 30, 2010, 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

Northern States Employees

La Crosse, WI · Charter 66769

Q3 2010

$1.7MAssets
$541KLoans
$1.5MShares
$242KNet Worth

Executive Summary

  • Earnings: ROA of -0.45%, down 3 bps year over year; NIM at 1.24%.
  • Asset quality: problem loans at 0.54% of loans (+34 bps YoY).
  • Capital: net worth / assets of 13.98%, down 161 bps from a year ago.
  • Funding: loans stand at 36.28% of shares as of Q3 2010.

Return on Assets (YTD, annualized)

-0.45%-3 bps YoY

Net Interest Margin (YTD, annualized)

1.24%-68 bps YoY

Efficiency Ratio (YTD, annualized)

125.05%+4,572 bps YoY

Net Worth / Assets

13.98%-161 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2008Q4 2008Q1 2009Q2 2009Q3 2009Q4 2009Q1 2010Q3 2010YoY ΔTrend
Earnings
Return on Assets0.00%0.00%-0.44%-0.43%-0.03%0.00%-0.16%-0.45%-3 bps
Return on Equity-0.01%0.03%-2.76%-2.73%-0.16%0.03%-1.02%-3.24%-51 bps
Net Interest Margin2.25%2.26%1.97%1.92%2.02%2.06%1.62%1.24%-68 bps
Efficiency Ratio100.09%99.80%122.20%79.33%75.24%73.34%109.60%125.05%+4,572 bps
Growth
Asset Growth (YoY)0.63%-2.37%3.11%4.68%5.18%9.73%8.32%10.25%+557 bps
Loan Growth (YoY)26.62%18.29%6.75%-3.35%-4.49%-12.39%-13.97%-21.78%-1,843 bps
Share Growth (YoY)0.80%-2.78%4.54%5.55%6.06%11.63%9.08%12.44%+688 bps
Asset Quality
Delinquent Loans / Loans0.56%0.67%0.16%0.20%0.18%0.75%1.07%0.54%+34 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans3.84%3.82%2.55%2.66%2.61%2.83%2.96%3.40%+74 bps
Capital
Risk-Based Capital16.77%17.33%15.87%15.58%15.95%15.80%15.21%13.98%-161 bps
Net Worth / Assets16.77%17.33%15.87%15.58%15.95%15.80%15.21%13.98%-161 bps
Liquidity & Funding
Loans / Shares59.85%62.60%57.15%52.15%53.90%49.13%45.08%36.28%-1,587 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps