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Chippewa District

Chippewa Falls, WI · Charter 66774

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

Chippewa District

Chippewa Falls, WI · Charter 66774

Q4 2002

$577KAssets
$158KLoans
$544KShares
$32KNet 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 0.16%, up 6 bps year over year; NIM at 3.45%.
  • Asset quality: problem loans at 4.08% of loans (+408 bps YoY).
  • Capital: net worth / assets of 5.61%, down 734 bps from a year ago.
  • Funding: loans stand at 29.04% of shares as of Q4 2002.

Financial Results

Return on Assets (YTD, annualized)

0.16%+6 bps YoY

Net Interest Margin (YTD, annualized)

3.45%-8 bps YoY

Efficiency Ratio (YTD, annualized)

92.25%-186 bps YoY

Net Worth / Assets

5.61%-734 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2001Q4 2001Q2 2002Q3 2002Q4 2002YoY ΔTrend
Earnings
Return on Assets0.10%0.08%0.15%0.47%0.16%+6 bps
Return on Equity0.79%0.65%1.25%3.69%2.91%+212 bps
Net Interest Margin3.53%3.13%3.29%3.64%3.45%-8 bps
Efficiency Ratio94.11%94.45%92.26%84.06%92.25%-186 bps
Growth
Asset Growth (YoY)-17.82%-9.30%-3.97%-4.57%5.25%+2,307 bps
Loan Growth (YoY)8.91%-2.66%-30.97%-38.90%-46.52%-5,543 bps
Share Growth (YoY)-20.24%-10.66%-4.72%-5.63%14.08%+3,431 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%2.44%2.72%4.08%+408 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.20%1.73%1.93%2.23%2.81%+161 bps
Capital
Risk-Based Capital12.95%11.79%12.19%12.85%5.61%-734 bps
Net Worth / Assets12.95%11.79%12.19%12.85%5.61%-734 bps
Liquidity & Funding
Loans / Shares61.96%41.85%41.57%38.74%29.04%-3,291 bps
Liquid Assets / Assets45.55%62.60%63.11%65.99%72.47%+2,692 bps