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Wadsworth

Leavenworth, KS · Charter 63209

NCUA · 3 branches

Q3 2018

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 2018, the quarter ended September 30, 2018, 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

Wadsworth

Leavenworth, KS · Charter 63209

NCUA · 3 branches

Q3 2018

$6.7MAssets
$3.9MLoans
$6.1MShares
$517KNet Worth

Executive Summary

  • Earnings: ROA of -0.78%, up 92 bps year over year; NIM at 3.43%.
  • Asset quality: problem loans at 0.11% of loans (+8 bps YoY).
  • Capital: net worth / assets of 7.75%, down 35 bps from a year ago.
  • Funding: loans stand at 64.20% of shares as of Q3 2018.

Return on Assets (YTD, annualized)

-0.78%+92 bps YoY

Net Interest Margin (YTD, annualized)

3.43%+36 bps YoY

Efficiency Ratio (YTD, annualized)

115.54%-1,050 bps YoY

Net Worth / Assets

7.75%-35 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2016Q1 2017Q2 2017Q3 2017Q4 2017Q1 2018Q2 2018Q3 2018YoY ΔTrend
Earnings
Return on Assets-0.82%-0.97%-1.06%-1.70%-1.48%-1.92%-1.16%-0.78%+92 bps
Return on Equity-9.41%-11.48%-12.59%-21.04%-18.93%-26.22%-15.72%-10.07%+1,097 bps
Net Interest Margin2.75%2.75%2.93%3.07%3.02%3.00%3.13%3.43%+36 bps
Efficiency Ratio124.24%126.17%125.75%126.04%125.61%124.39%119.87%115.54%-1,050 bps
Growth
Asset Growth (YoY)0.79%-0.08%-3.69%-8.06%-5.88%-6.13%-5.17%-5.43%+263 bps
Loan Growth (YoY)8.33%12.72%10.39%9.41%4.45%6.04%3.23%15.09%+568 bps
Share Growth (YoY)1.73%0.74%-3.15%-7.95%-5.38%-5.35%-4.33%-4.85%+310 bps
Asset Quality
Delinquent Loans / Loans0.00%1.02%1.75%0.03%0.00%0.00%0.00%0.11%+8 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.20%0.14%0.25%0.40%0.39%0.89%0.81%0.54%+14 bps
Capital
Risk-Based Capital8.74%8.46%8.43%8.10%7.81%7.31%7.36%7.75%-35 bps
Net Worth / Assets8.74%8.46%8.43%8.10%7.81%7.31%7.36%7.75%-35 bps
Liquidity & Funding
Loans / Shares49.06%50.27%50.74%53.07%54.16%56.32%54.75%64.20%+1,112 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps