PackageTrendsPeer
Letter portraitLegal landscape

Baraboo Municipal Employees

Baraboo, WI · Charter 66804

NCUA · 1 branch

Q3 2017

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 2017, the quarter ended September 30, 2017, 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

Baraboo Municipal Employees

Baraboo, WI · Charter 66804

NCUA · 1 branch

Q3 2017

$1.7MAssets
$1.1MLoans
$1.5MShares
$233KNet 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 -7.45%, down 734 bps year over year; NIM at -3.15%.
  • Asset quality: problem loans at 0.52% of loans (-375 bps YoY).
  • Capital: net worth / assets of 13.53%, down 444 bps from a year ago.
  • Funding: loans stand at 74.38% of shares as of Q3 2017.

Financial Results

Return on Assets (YTD, annualized)

-7.45%-734 bps YoY

Net Interest Margin (YTD, annualized)

-3.15%-642 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

13.53%-444 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets-0.10%-0.19%-0.70%-0.53%-7.45%-734 bps
Return on Equity-0.57%-1.09%-3.90%-3.02%-55.02%-5,445 bps
Net Interest Margin3.27%3.13%3.07%2.93%-3.15%-642 bps
Efficiency Ratio100.43%103.09%115.40%110.61%n/an/a
Growth
Asset Growth (YoY)1.70%8.64%1.52%1.96%-6.59%-829 bps
Loan Growth (YoY)-13.08%-14.72%-11.51%-9.78%9.36%+2,243 bps
Share Growth (YoY)2.49%10.80%2.36%3.22%-1.37%-385 bps
Asset Quality
Delinquent Loans / Loans4.27%3.48%3.36%1.00%0.52%-375 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.44%2.66%2.78%0.98%0.69%-176 bps
Capital
Risk-Based Capital17.98%17.44%18.00%17.49%13.53%-444 bps
Net Worth / Assets17.98%17.44%18.00%17.49%13.53%-444 bps
Liquidity & Funding
Loans / Shares67.08%61.58%64.25%58.71%74.38%+729 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps