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Gilman Area

Gilman, WI · Charter 67235

Q3 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: Q3 2015, the quarter ended September 30, 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

Gilman Area

Gilman, WI · Charter 67235

Q3 2015

$1.8MAssets
$1.1MLoans
$1.5MShares
$281KNet 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 -0.60%, down 24 bps year over year; NIM at 2.74%.
  • Asset quality: problem loans at 3.88% of loans (+282 bps YoY).
  • Capital: net worth / assets of 15.71%, up 117 bps from a year ago.
  • Funding: loans stand at 73.01% of shares as of Q3 2015.

Financial Results

Return on Assets (YTD, annualized)

-0.60%-24 bps YoY

Net Interest Margin (YTD, annualized)

2.74%+15 bps YoY

Efficiency Ratio (YTD, annualized)

121.05%+776 bps YoY

Net Worth / Assets

15.71%+117 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets-0.36%-0.24%-0.31%0.07%-0.60%-24 bps
Return on Equity-2.45%-1.68%-2.10%0.48%-3.80%-135 bps
Net Interest Margin2.59%2.63%3.02%3.12%2.74%+15 bps
Efficiency Ratio113.29%108.93%110.11%97.69%121.05%+776 bps
Growth
Asset Growth (YoY)3.85%5.05%0.33%3.65%-9.88%-1,373 bps
Loan Growth (YoY)2.12%26.06%34.13%26.29%19.47%+1,736 bps
Share Growth (YoY)5.03%6.30%0.56%4.28%-11.06%-1,609 bps
Asset Quality
Delinquent Loans / Loans1.06%2.50%2.84%2.80%3.88%+282 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.88%1.50%1.55%1.55%1.57%-31 bps
Capital
Risk-Based Capital14.54%14.42%15.02%15.49%15.71%+117 bps
Net Worth / Assets14.54%14.42%15.02%15.49%15.71%+117 bps
Liquidity & Funding
Loans / Shares54.35%67.23%68.62%70.66%73.01%+1,866 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps