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Holy Assumption Parish

Superior, WI · Charter 67027

NCUA · 1 branch

Q4 2016

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 2016, the quarter ended December 31, 2016, 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

Holy Assumption Parish

Superior, WI · Charter 67027

NCUA · 1 branch

Q4 2016

$814KAssets
$380KLoans
$726KShares
$88KNet Worth

Executive Summary

  • Earnings: ROA of -16.41%, down 1,642 bps year over year; NIM at -11.90%.
  • Asset quality: problem loans at 0.00% of loans (-41 bps YoY).
  • Capital: net worth / assets of 10.85%, down 1,634 bps from a year ago.
  • Funding: loans stand at 52.30% of shares as of Q4 2016.

Return on Assets (YTD, annualized)

-16.41%-1,642 bps YoY

Net Interest Margin (YTD, annualized)

-11.90%-1,524 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

10.85%-1,634 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2015Q2 2015Q3 2015Q4 2015Q1 2016Q2 2016Q3 2016Q4 2016YoY ΔTrend
Earnings
Return on Assets-0.38%-0.21%-0.08%0.01%-0.79%-0.49%-0.45%-16.41%-1,642 bps
Return on Equity-1.34%-0.78%-0.29%0.02%-3.01%-1.90%-1.70%-151.30%-15,132 bps
Net Interest Margin3.60%3.35%3.25%3.34%3.09%3.09%3.18%-11.90%-1,524 bps
Efficiency Ratio110.48%106.35%102.36%99.84%124.28%115.32%113.61%n/an/a
Growth
Asset Growth (YoY)-7.88%-6.18%-1.47%4.84%6.65%4.22%1.05%-0.27%-511 bps
Loan Growth (YoY)3.66%3.34%-7.73%-1.65%2.36%-7.32%-17.13%-21.17%-1,952 bps
Share Growth (YoY)-9.74%-7.64%-1.27%6.60%9.35%6.22%1.93%22.32%+1,572 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.41%0.00%0.00%0.00%0.00%-41 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.77%0.70%0.69%0.69%0.50%0.50%0.55%0.58%-11 bps
Capital
Risk-Based Capital28.24%27.27%26.83%27.18%26.38%26.02%26.28%10.85%-1,634 bps
Net Worth / Assets28.24%27.27%26.83%27.18%26.38%26.02%26.28%10.85%-1,634 bps
Liquidity & Funding
Loans / Shares77.08%80.51%80.48%81.16%72.16%70.24%65.44%52.30%-2,886 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps