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Pluswood Group

Oshkosh, WI · Charter 67218

Q4 2014

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 2014, the quarter ended December 31, 2014, 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

Pluswood Group

Oshkosh, WI · Charter 67218

Q4 2014

$1.6MAssets
$972KLoans
$1.2MShares
$367KNet Worth

Executive Summary

  • Earnings: ROA of -0.31%, down 31 bps year over year; NIM at 3.74%.
  • Asset quality: problem loans at 0.39% of loans (-64 bps YoY).
  • Capital: net worth / assets of 23.50%, down 114 bps from a year ago.
  • Funding: loans stand at 81.46% of shares as of Q4 2014.

Return on Assets (YTD, annualized)

-0.31%-31 bps YoY

Net Interest Margin (YTD, annualized)

3.74%-61 bps YoY

Efficiency Ratio (YTD, annualized)

106.44%+664 bps YoY

Net Worth / Assets

23.50%-114 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2013Q2 2013Q3 2013Q4 2013Q1 2014Q2 2014Q3 2014Q4 2014YoY ΔTrend
Earnings
Return on Assets-0.15%-0.10%-0.01%0.00%0.02%-0.17%-0.20%-0.31%-31 bps
Return on Equity-0.74%-0.44%-0.05%0.01%0.10%-0.67%-0.83%-1.33%-134 bps
Net Interest Margin3.49%3.86%4.13%4.36%4.25%4.19%3.95%3.74%-61 bps
Efficiency Ratio102.67%101.63%99.99%99.79%99.54%103.20%103.94%106.44%+664 bps
Growth
Asset Growth (YoY)7.22%-2.58%-7.37%-8.53%-18.24%-11.41%-3.90%3.47%+1,200 bps
Loan Growth (YoY)-12.60%-2.29%11.91%15.46%7.86%-0.54%-14.14%-16.12%-3,158 bps
Share Growth (YoY)9.48%-3.03%-9.26%-11.00%-23.08%-14.82%-4.94%5.09%+1,609 bps
Asset Quality
Delinquent Loans / Loans0.06%0.00%0.88%1.03%0.24%0.24%0.93%0.39%-64 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.10%0.98%0.87%0.87%0.96%0.99%1.02%1.04%+17 bps
Capital
Risk-Based Capital20.58%22.52%23.56%24.64%25.22%25.39%24.38%23.50%-114 bps
Net Worth / Assets20.58%22.52%23.56%24.64%25.22%25.39%24.38%23.50%-114 bps
Liquidity & Funding
Loans / Shares68.05%80.45%96.06%102.05%95.41%93.95%86.77%81.46%-2,059 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps