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Bull's Eye

Wisconsin Rapid, WI · Charter 66861

NCUA · 3 branches

Q3 2018

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 2018, the quarter ended September 30, 2018, 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 2026-10-10

Bull's Eye

Wisconsin Rapid, WI · Charter 66861

NCUA · 3 branches

Q3 2018

$153.5MAssets
$96.0MLoans
$132.0MShares
$15.8MNet 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 0.07%, down 57 bps year over year; NIM at 3.63%.
  • Asset quality: problem loans at 0.67% of loans (-73 bps YoY).
  • Capital: net worth / assets of 10.30%, up 18 bps from a year ago.
  • Funding: loans stand at 72.72% of shares as of Q3 2018.

Financial Results

Return on Assets (YTD, annualized)

0.07%-57 bps YoY

Net Interest Margin (YTD, annualized)

3.63%+59 bps YoY

Efficiency Ratio (YTD, annualized)

92.12%+1,338 bps YoY

Net Worth / Assets

10.30%+18 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2017Q4 2017Q1 2018Q2 2018Q3 2018YoY ΔTrend
Earnings
Return on Assets0.64%0.73%1.16%1.08%0.07%-57 bps
Return on Equity6.34%7.01%11.25%10.23%0.73%-561 bps
Net Interest Margin3.05%3.17%3.48%3.52%3.63%+59 bps
Efficiency Ratio78.74%77.30%73.35%72.93%92.12%+1,338 bps
Growth
Asset Growth (YoY)3.22%2.68%3.29%2.94%1.15%-207 bps
Loan Growth (YoY)7.10%7.52%9.14%25.81%-3.24%-1,033 bps
Share Growth (YoY)2.10%1.79%2.21%1.45%-0.22%-233 bps
Asset Quality
Delinquent Loans / Loans1.40%1.24%0.77%0.60%0.67%-73 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.79%0.71%0.67%0.71%0.71%-8 bps
Capital
Risk-Based Capital10.12%10.46%10.33%10.53%10.30%+18 bps
Net Worth / Assets10.12%10.46%10.33%10.53%10.30%+18 bps
Liquidity & Funding
Loans / Shares74.98%79.44%74.68%72.86%72.72%-227 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps