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W. S. P.

Waupun, WI · Charter 66697

NCUA · 1 branch

Q2 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: Q2 2018, the quarter ended June 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

W. S. P.

Waupun, WI · Charter 66697

NCUA · 1 branch

Q2 2018

$1.8MAssets
$955KLoans
$1.3MShares
$494KNet Worth

Executive Summary

  • Earnings: ROA of 0.14%, up 3 bps year over year; NIM at 3.25%.
  • Asset quality: problem loans at 3.90% of loans (-323 bps YoY).
  • Capital: net worth / assets of 27.38%, up 978 bps from a year ago.
  • Funding: loans stand at 72.83% of shares as of Q2 2018.

Return on Assets (YTD, annualized)

0.14%+3 bps YoY

Net Interest Margin (YTD, annualized)

3.25%+123 bps YoY

Efficiency Ratio (YTD, annualized)

75.60%+219 bps YoY

Net Worth / Assets

27.38%+978 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017Q4 2017Q1 2018Q2 2018YoY ΔTrend
Earnings
Return on Assets0.07%0.05%0.17%0.11%0.15%0.18%0.17%0.14%+3 bps
Return on Equity0.43%0.31%0.97%0.65%0.82%0.93%0.89%0.53%-12 bps
Net Interest Margin1.82%1.87%2.01%2.02%2.04%2.21%2.20%3.25%+123 bps
Efficiency Ratio73.05%70.98%70.14%73.40%72.00%71.27%71.85%75.60%+219 bps
Growth
Asset Growth (YoY)-8.47%-4.99%-9.14%-5.34%-5.71%-10.23%-4.52%-35.17%-2,983 bps
Loan Growth (YoY)-10.91%-7.19%-10.47%4.75%-6.06%-3.97%-10.66%-16.52%-2,127 bps
Share Growth (YoY)-10.18%-5.98%-10.96%-6.45%-6.95%-12.59%-5.79%-42.80%-3,636 bps
Asset Quality
Delinquent Loans / Loans7.97%8.48%7.94%7.14%5.38%6.16%5.79%3.90%-323 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans4.59%5.21%5.07%5.07%4.48%4.70%5.53%3.71%-135 bps
Capital
Risk-Based Capital16.58%16.92%17.82%17.60%17.69%19.02%18.84%27.38%+978 bps
Net Worth / Assets16.58%16.92%17.82%17.60%17.69%19.02%18.84%27.38%+978 bps
Liquidity & Funding
Loans / Shares45.32%44.14%46.36%49.90%45.76%48.49%43.96%72.83%+2,292 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps