PackageTrendsPeer
Letter portraitLegal landscape

Citizens Community

Altoona, WI · Charter 67241

Q3 1996

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 1996, the quarter ended September 30, 1996, 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

Citizens Community

Altoona, WI · Charter 67241

Q3 1996

n/aAssets
n/aLoans
n/aShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Financial Results

Return on Assets (YTD, annualized)

n/a

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ2 1995Q3 1995Q4 1995Q1 1996Q3 1996YoY ΔTrend
Earnings
Return on Assets4.40%4.53%4.36%4.86%n/an/a
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)17.70%19.53%28.88%26.65%n/an/a
Loan Growth (YoY)15.79%14.83%15.94%19.08%n/an/a
Share Growth (YoY)18.20%20.24%30.89%28.38%n/an/a
Asset Quality
Delinquent Loans / Loans0.06%0.15%0.22%0.22%n/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.79%0.74%0.65%0.56%n/an/a
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares89.44%87.99%83.52%84.53%n/an/a
Liquid Assets / Assets11.62%12.17%15.67%16.54%n/an/a