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Webster City Municipal

Webster City, IA · Charter 61049

NCUA · 1 branch

Q3 2017

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 2017, the quarter ended September 30, 2017, 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 City Municipal

Webster City, IA · Charter 61049

NCUA · 1 branch

Q3 2017

$482KAssets
$139KLoans
$322KShares
$159KNet 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 0.61%, down 36 bps year over year; NIM at 3.68%.
  • Asset quality: problem loans at 8.61% of loans (+163 bps YoY).
  • Capital: net worth / assets of 33.07%, down 44 bps from a year ago.
  • Funding: loans stand at 43.03% of shares as of Q3 2017.

Financial Results

Return on Assets (YTD, annualized)

0.61%-36 bps YoY

Net Interest Margin (YTD, annualized)

3.68%-55 bps YoY

Efficiency Ratio (YTD, annualized)

83.30%+624 bps YoY

Net Worth / Assets

33.07%-44 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets0.98%1.07%0.49%0.46%0.61%-36 bps
Return on Equity2.92%3.11%1.44%1.37%1.86%-106 bps
Net Interest Margin4.23%4.32%3.87%3.65%3.68%-55 bps
Efficiency Ratio77.06%75.25%87.22%87.52%83.30%+624 bps
Growth
Asset Growth (YoY)-1.55%-1.12%-1.96%2.13%3.73%+528 bps
Loan Growth (YoY)-9.81%-17.54%-9.02%-10.39%7.37%+1,718 bps
Share Growth (YoY)-3.59%-3.26%-4.18%2.11%4.41%+800 bps
Asset Quality
Delinquent Loans / Loans6.99%10.73%7.43%9.56%8.61%+163 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.21%4.36%4.00%4.09%3.92%-29 bps
Capital
Risk-Based Capital33.51%34.59%34.23%33.30%33.07%-44 bps
Net Worth / Assets33.51%34.59%34.23%33.30%33.07%-44 bps
Liquidity & Funding
Loans / Shares41.85%41.96%44.90%41.93%43.03%+119 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps