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Webster United

Minden, LA · Charter 11928

NCUA · 1 branch

Q1 2020

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 2020, the quarter ended March 31, 2020, 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

Webster United

Minden, LA · Charter 11928

NCUA · 1 branch

Q1 2020

$3.4MAssets
$1.7MLoans
$3.1MShares
$286KNet 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 -5.36%, down 644 bps year over year; NIM at 4.28%.
  • Asset quality: problem loans at 6.88% of loans (+565 bps YoY).
  • Capital: net worth / assets of 8.32%, down 367 bps from a year ago.
  • Funding: loans stand at 53.41% of shares as of Q1 2020.

Financial Results

Return on Assets (YTD, annualized)

-5.36%-644 bps YoY

Net Interest Margin (YTD, annualized)

4.28%-37 bps YoY

Efficiency Ratio (YTD, annualized)

177.08%+9,925 bps YoY

Net Worth / Assets

8.32%-367 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2019Q2 2019Q3 2019Q4 2019Q1 2020YoY ΔTrend
Earnings
Return on Assets1.08%0.51%0.08%-0.35%-5.36%-644 bps
Return on Equity8.98%4.34%0.71%-3.89%-64.46%-7,343 bps
Net Interest Margin4.65%4.19%4.33%4.63%4.28%-37 bps
Efficiency Ratio77.83%88.26%98.36%106.72%177.08%+9,925 bps
Growth
Asset Growth (YoY)-0.80%0.53%-1.11%-8.01%-15.61%-1,481 bps
Loan Growth (YoY)-13.79%-16.39%-16.56%-24.08%-30.39%-1,659 bps
Share Growth (YoY)4.59%4.31%2.94%-4.79%-12.20%-1,679 bps
Asset Quality
Delinquent Loans / Loans1.23%3.28%3.91%8.27%6.88%+565 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans5.83%5.93%4.91%4.25%4.15%-168 bps
Capital
Risk-Based Capital11.98%11.81%11.22%8.94%8.32%-367 bps
Net Worth / Assets11.98%11.81%11.22%8.94%8.32%-367 bps
Liquidity & Funding
Loans / Shares67.37%62.09%58.92%57.69%53.41%-1,395 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps