PackageTrendsPeer
Letter portraitLegal landscape

St. Nicholas

Sheboygan, WI · Charter 67170

Q3 2011

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 2011, the quarter ended September 30, 2011, 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

St. Nicholas

Sheboygan, WI · Charter 67170

Q3 2011

$621KAssets
$294KLoans
$504KShares
$116KNet 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 -2.79%, down 222 bps year over year; NIM at 3.22%.
  • Asset quality: problem loans at 0.00% of loans (-678 bps YoY).
  • Capital: net worth / assets of 18.73%, up 457 bps from a year ago.
  • Funding: loans stand at 58.32% of shares as of Q3 2011.

Financial Results

Return on Assets (YTD, annualized)

-2.79%-222 bps YoY

Net Interest Margin (YTD, annualized)

3.22%+92 bps YoY

Efficiency Ratio (YTD, annualized)

144.38%+3,486 bps YoY

Net Worth / Assets

18.73%+457 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2010Q3 2010Q1 2011Q2 2011Q3 2011YoY ΔTrend
Earnings
Return on Assets-0.58%-0.84%-2.10%-1.60%-2.79%-222 bps
Return on Equity-4.07%-6.02%-14.22%-11.12%-14.91%-1,084 bps
Net Interest Margin2.30%2.52%2.17%2.32%3.22%+92 bps
Efficiency Ratio109.52%109.46%131.91%120.62%144.38%+3,486 bps
Growth
Asset Growth (YoY)-15.30%-15.44%-27.47%-17.28%-38.30%-2,300 bps
Loan Growth (YoY)-18.63%-27.45%-31.79%-12.33%-18.93%-29 bps
Share Growth (YoY)-17.39%-16.56%-29.13%-17.74%-41.58%-2,419 bps
Asset Quality
Delinquent Loans / Loans6.78%5.20%11.32%2.35%0.00%-678 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.72%1.75%4.64%1.84%0.41%-332 bps
Capital
Risk-Based Capital14.16%13.93%14.75%14.41%18.73%+457 bps
Net Worth / Assets14.16%13.93%14.75%14.41%18.73%+457 bps
Liquidity & Funding
Loans / Shares42.03%34.84%39.68%45.58%58.32%+1,629 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps