PackageTrendsPeer
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Utilities

Eau Claire, WI · Charter 66776

NCUA · 1 branch

Q2 2021

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: Q2 2021, the quarter ended June 30, 2021, 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

Utilities

Eau Claire, WI · Charter 66776

NCUA · 1 branch

Q2 2021

$6.8MAssets
$3.1MLoans
$5.9MShares
$931KNet Worth

Executive Summary

  • Earnings: ROA of 0.01%, down 1 bps year over year; NIM at 1.80%.
  • Asset quality: problem loans at 0.00% of loans (-23 bps YoY).
  • Capital: net worth / assets of 13.61%, up 40 bps from a year ago.
  • Funding: loans stand at 52.78% of shares as of Q2 2021.

Return on Assets (YTD, annualized)

0.01%-1 bps YoY

Net Interest Margin (YTD, annualized)

1.80%-58 bps YoY

Efficiency Ratio (YTD, annualized)

124.09%+2,517 bps YoY

Net Worth / Assets

13.61%+40 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2019Q4 2019Q1 2020Q2 2020Q3 2020Q4 2020Q1 2021Q2 2021YoY ΔTrend
Earnings
Return on Assets0.25%0.21%0.05%0.03%0.03%0.03%0.02%0.01%-1 bps
Return on Equity1.90%1.58%0.35%0.20%0.21%0.19%0.14%0.08%-11 bps
Net Interest Margin2.56%2.58%2.43%2.38%2.43%2.36%1.76%1.80%-58 bps
Efficiency Ratio108.43%91.88%98.09%98.92%98.84%98.93%120.87%124.09%+2,517 bps
Growth
Asset Growth (YoY)3.10%4.60%2.70%-0.08%-2.54%0.19%1.40%-2.77%-270 bps
Loan Growth (YoY)-6.42%-10.58%-8.14%-14.77%-10.95%-10.55%-10.31%-8.37%+640 bps
Share Growth (YoY)3.25%5.26%3.20%0.38%-2.76%0.24%1.63%-3.21%-359 bps
Asset Quality
Delinquent Loans / Loans0.15%0.15%0.04%0.23%0.33%0.03%0.18%0.00%-23 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.57%1.67%1.69%1.76%1.76%1.86%1.69%1.44%-33 bps
Capital
Risk-Based Capital12.95%13.46%13.40%13.21%13.33%13.46%13.23%13.61%+40 bps
Net Worth / Assets12.95%13.46%13.40%13.21%13.33%13.46%13.23%13.61%+40 bps
Liquidity & Funding
Loans / Shares61.45%60.33%59.21%55.75%56.27%53.84%52.25%52.78%-297 bps
Liquid Assets / Assets0.00%0.00%99.47%0.00%99.38%0.00%99.31%99.02%+9,902 bps