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Peoples Choice

Medford, WI · Charter 66786

NCUA · 2 branches

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

Peoples Choice

Medford, WI · Charter 66786

NCUA · 2 branches

Q2 2021

$52.5MAssets
$28.9MLoans
$49.6MShares
$2.4MNet 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 -2.25%, down 159 bps year over year; NIM at 1.93%.
  • Asset quality: problem loans at 0.29% of loans (-63 bps YoY).
  • Capital: net worth / assets of 4.51%, down 185 bps from a year ago.
  • Funding: loans stand at 58.17% of shares as of Q2 2021.

Financial Results

Return on Assets (YTD, annualized)

-2.25%-159 bps YoY

Net Interest Margin (YTD, annualized)

1.93%-84 bps YoY

Efficiency Ratio (YTD, annualized)

108.74%+1,295 bps YoY

Net Worth / Assets

4.51%-185 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2020Q3 2020Q4 2020Q1 2021Q2 2021YoY ΔTrend
Earnings
Return on Assets-0.66%-0.02%-0.10%-0.42%-2.25%-159 bps
Return on Equity-10.38%-0.27%-1.48%-8.07%-49.83%-3,945 bps
Net Interest Margin2.78%2.97%2.71%2.00%1.93%-84 bps
Efficiency Ratio95.79%85.63%90.08%114.60%108.74%+1,295 bps
Growth
Asset Growth (YoY)18.42%16.42%13.90%21.05%14.97%-345 bps
Loan Growth (YoY)-3.60%-7.17%-5.66%-7.60%-11.28%-768 bps
Share Growth (YoY)20.99%17.78%18.36%22.23%17.65%-334 bps
Asset Quality
Delinquent Loans / Loans0.92%0.93%0.99%1.11%0.29%-63 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.75%0.77%0.87%0.92%1.81%+107 bps
Capital
Risk-Based Capital6.37%6.76%6.62%5.18%4.51%-185 bps
Net Worth / Assets6.37%6.76%6.62%5.18%4.51%-185 bps
Liquidity & Funding
Loans / Shares77.14%77.24%69.42%61.10%58.17%-1,897 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps