PackageTrendsPeer
Letter portraitLegal landscape

Harbor

Green Bay, WI · Charter 66849

NCUA · 4 branches

Q2 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: Q2 2017, the quarter ended June 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

Harbor

Green Bay, WI · Charter 66849

NCUA · 4 branches

Q2 2017

$110.7MAssets
$67.3MLoans
$99.7MShares
$10.4MNet Worth

Executive Summary

  • Earnings: ROA of -0.52%, down 64 bps year over year; NIM at 2.68%.
  • Asset quality: problem loans at 0.56% of loans (-27 bps YoY).
  • Capital: net worth / assets of 9.41%, down 18 bps from a year ago.
  • Funding: loans stand at 67.53% of shares as of Q2 2017.

Return on Assets (YTD, annualized)

-0.52%-64 bps YoY

Net Interest Margin (YTD, annualized)

2.68%+13 bps YoY

Efficiency Ratio (YTD, annualized)

107.46%+1,261 bps YoY

Net Worth / Assets

9.41%-18 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016Q4 2016Q1 2017Q2 2017YoY ΔTrend
Earnings
Return on Assets0.35%0.46%0.13%0.12%0.21%0.24%0.32%-0.52%-64 bps
Return on Equity3.68%4.89%1.39%1.24%2.16%2.45%3.30%-5.52%-676 bps
Net Interest Margin2.49%2.46%2.49%2.55%2.56%2.60%2.59%2.68%+13 bps
Efficiency Ratio90.72%90.82%92.22%94.85%93.63%91.98%93.18%107.46%+1,261 bps
Growth
Asset Growth (YoY)7.19%8.52%4.80%2.76%2.87%-0.10%1.38%1.04%-171 bps
Loan Growth (YoY)6.11%2.49%2.68%-0.86%-2.58%1.30%0.02%-1.30%-44 bps
Share Growth (YoY)7.55%8.86%4.84%2.55%2.82%-0.57%1.24%1.42%-113 bps
Asset Quality
Delinquent Loans / Loans0.69%0.70%0.62%0.83%0.64%0.39%0.35%0.56%-27 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.89%0.63%0.60%0.58%0.53%0.58%0.55%0.77%+19 bps
Capital
Risk-Based Capital9.54%9.49%9.42%9.59%9.64%9.74%9.57%9.41%-18 bps
Net Worth / Assets9.54%9.49%9.42%9.59%9.64%9.74%9.57%9.41%-18 bps
Liquidity & Funding
Loans / Shares72.82%69.81%68.43%69.39%68.99%71.11%67.60%67.53%-186 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps