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Municipal

Beloit, WI · Charter 66994

Q4 2015

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 2015, the quarter ended December 31, 2015, 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

Municipal

Beloit, WI · Charter 66994

Q4 2015

$17.6MAssets
$5.6MLoans
$15.8MShares
$1.5MNet Worth

Executive Summary

  • Earnings: ROA of -2.52%, down 258 bps year over year; NIM at 0.79%.
  • Asset quality: problem loans at 0.16% of loans (-13 bps YoY).
  • Capital: net worth / assets of 8.41%, down 349 bps from a year ago.
  • Funding: loans stand at 35.50% of shares as of Q4 2015.

Return on Assets (YTD, annualized)

-2.52%-258 bps YoY

Net Interest Margin (YTD, annualized)

0.79%-118 bps YoY

Efficiency Ratio (YTD, annualized)

246%+14,731 bps YoY

Net Worth / Assets

8.41%-349 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2014Q2 2014Q3 2014Q4 2014Q1 2015Q2 2015Q3 2015Q4 2015YoY ΔTrend
Earnings
Return on Assets0.01%0.02%0.03%0.06%-0.14%-0.12%-0.12%-2.52%-258 bps
Return on Equity0.08%0.17%0.22%0.47%-1.25%-1.08%-1.10%-29.99%-3,045 bps
Net Interest Margin1.86%1.90%1.89%1.97%1.76%1.80%1.80%0.79%-118 bps
Efficiency Ratio99.67%99.35%99.14%98.22%105.23%104.40%104.42%246%+14,731 bps
Growth
Asset Growth (YoY)0.88%-0.65%6.79%2.69%2.45%2.31%1.39%8.90%+622 bps
Loan Growth (YoY)-5.56%-8.13%-8.28%-4.96%-7.36%-2.25%-3.05%-9.84%-488 bps
Share Growth (YoY)0.98%-0.78%7.93%3.00%2.79%2.35%1.56%11.29%+829 bps
Asset Quality
Delinquent Loans / Loans0.21%0.95%0.29%0.29%0.70%0.17%0.17%0.16%-13 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.66%0.64%0.60%0.58%0.62%0.59%0.56%0.56%-2 bps
Capital
Risk-Based Capital11.43%11.57%11.41%11.90%11.17%11.29%11.20%8.41%-349 bps
Net Worth / Assets11.43%11.57%11.41%11.90%11.17%11.29%11.20%8.41%-349 bps
Liquidity & Funding
Loans / Shares42.92%42.20%40.78%43.82%38.68%40.31%38.93%35.50%-832 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps