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Fire Department

Superior, WI · Charter 67065

NCUA · 1 branch

Q1 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: Q1 2017, the quarter ended March 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

Fire Department

Superior, WI · Charter 67065

NCUA · 1 branch

Q1 2017

$1.1MAssets
$540KLoans
$889KShares
$190KNet 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 -2.31%, down 87 bps year over year; NIM at 2.79%.
  • Asset quality: problem loans at 2.52% of loans (-236 bps YoY).
  • Capital: net worth / assets of 17.59%, down 22 bps from a year ago.
  • Funding: loans stand at 60.78% of shares as of Q1 2017.

Financial Results

Return on Assets (YTD, annualized)

-2.31%-87 bps YoY

Net Interest Margin (YTD, annualized)

2.79%-15 bps YoY

Efficiency Ratio (YTD, annualized)

182.87%+3,362 bps YoY

Net Worth / Assets

17.59%-22 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2016Q2 2016Q3 2016Q4 2016Q1 2017YoY ΔTrend
Earnings
Return on Assets-1.45%-1.84%-1.80%-2.13%-2.31%-87 bps
Return on Equity-8.13%-10.73%-10.75%-12.70%-13.15%-502 bps
Net Interest Margin2.94%2.85%2.81%2.98%2.79%-15 bps
Efficiency Ratio149.25%164.74%164.04%157.64%182.87%+3,362 bps
Growth
Asset Growth (YoY)-8.14%-3.51%-2.57%-4.46%-11.07%-293 bps
Loan Growth (YoY)-2.22%-9.98%-11.75%-12.06%-23.12%-2,090 bps
Share Growth (YoY)-3.23%-2.07%-1.16%-2.91%-10.79%-756 bps
Asset Quality
Delinquent Loans / Loans4.88%7.04%2.25%4.43%2.52%-236 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.54%2.74%2.70%3.74%4.20%+166 bps
Capital
Risk-Based Capital17.81%17.19%16.74%16.79%17.59%-22 bps
Net Worth / Assets17.81%17.19%16.74%16.79%17.59%-22 bps
Liquidity & Funding
Loans / Shares70.53%64.41%65.02%62.53%60.78%-975 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps