PackageTrendsPeer
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County

Kenosha, WI · Charter 66823

NCUA · 1 branch

Q4 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: Q4 2017, the quarter ended December 31, 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

County

Kenosha, WI · Charter 66823

NCUA · 1 branch

Q4 2017

$13.8MAssets
$7.2MLoans
$11.9MShares
$1.7MNet Worth

Executive Summary

  • Earnings: ROA of 0.25%, down 5 bps year over year; NIM at 2.57%.
  • Asset quality: problem loans at 0.00% of loans (-13 bps YoY).
  • Capital: net worth / assets of 12.61%, down 18 bps from a year ago.
  • Funding: loans stand at 60.18% of shares as of Q4 2017.

Return on Assets (YTD, annualized)

0.25%-5 bps YoY

Net Interest Margin (YTD, annualized)

2.57%+8 bps YoY

Efficiency Ratio (YTD, annualized)

91.45%+182 bps YoY

Net Worth / Assets

12.61%-18 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2016Q2 2016Q3 2016Q4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets0.35%0.31%0.34%0.30%0.19%0.18%0.23%0.25%-5 bps
Return on Equity2.85%2.45%2.68%2.35%1.56%1.42%1.86%1.96%-39 bps
Net Interest Margin2.42%2.45%2.45%2.49%2.35%2.44%2.48%2.57%+8 bps
Efficiency Ratio88.49%89.31%88.41%89.63%92.63%93.20%91.36%91.45%+182 bps
Growth
Asset Growth (YoY)0.87%-1.86%-0.86%0.60%3.78%4.50%4.32%3.49%+289 bps
Loan Growth (YoY)-1.07%6.13%1.24%-1.06%2.75%-5.16%1.59%12.22%+1,328 bps
Share Growth (YoY)0.58%-2.57%-1.58%0.21%3.57%5.30%4.45%3.19%+298 bps
Asset Quality
Delinquent Loans / Loans0.12%0.09%0.00%0.13%0.06%0.06%0.03%0.00%-13 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.53%0.51%0.44%0.48%0.41%0.43%0.43%0.38%-10 bps
Capital
Risk-Based Capital12.37%12.64%12.60%12.80%12.16%12.32%12.30%12.61%-18 bps
Net Worth / Assets12.37%12.64%12.60%12.80%12.16%12.32%12.30%12.61%-18 bps
Liquidity & Funding
Loans / Shares53.85%58.75%57.19%55.34%53.42%52.92%55.63%60.18%+484 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps