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W. N. M. H.

Winfield, KS · Charter 67821

NCUA · 1 branch

Q1 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: Q1 2018, the quarter ended March 31, 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. N. M. H.

Winfield, KS · Charter 67821

NCUA · 1 branch

Q1 2018

$1.1MAssets
$722KLoans
$1.2MShares
$-81KNet Worth

Executive Summary

  • Earnings: ROA of -119.96%, down 11,965 bps year over year; NIM at 2.93%.
  • Asset quality: problem loans at 10.46% of loans (+810 bps YoY).
  • Capital: net worth / assets of -7.44%, down 2,006 bps from a year ago.
  • Funding: loans stand at 61.64% of shares as of Q1 2018.

Return on Assets (YTD, annualized)

-119.96%-11,965 bps YoY

Net Interest Margin (YTD, annualized)

2.93%-82 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

-7.44%-2,006 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2016Q3 2016Q4 2016Q1 2017Q2 2017Q3 2017Q4 2017Q1 2018YoY ΔTrend
Earnings
Return on Assets-0.22%0.04%0.67%-0.30%0.63%1.08%1.53%-119.96%-11,965 bps
Return on Equity-1.77%0.34%5.29%-2.41%4.20%6.73%8.83%n/an/a
Net Interest Margin3.82%3.63%3.77%3.75%4.61%4.75%5.20%2.93%-82 bps
Efficiency Ratio90.10%89.75%81.33%81.90%78.83%76.26%72.30%n/an/a
Growth
Asset Growth (YoY)20.93%16.92%0.21%4.96%-9.62%-15.63%-19.74%-38.22%-4,318 bps
Loan Growth (YoY)10.08%11.54%8.11%6.75%0.41%-18.30%-19.70%-47.23%-5,398 bps
Share Growth (YoY)23.12%23.07%-0.59%5.03%-12.16%-16.77%-23.87%-23.75%-2,878 bps
Asset Quality
Delinquent Loans / Loans1.74%0.69%0.54%2.35%0.58%3.77%4.60%10.46%+810 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.53%0.56%0.68%0.68%0.79%0.85%0.94%1.42%+74 bps
Capital
Risk-Based Capital12.39%12.16%12.65%12.62%14.91%15.98%17.30%-7.44%-2,006 bps
Net Worth / Assets12.39%12.16%12.65%12.62%14.91%15.98%17.30%-7.44%-2,006 bps
Liquidity & Funding
Loans / Shares86.13%98.37%92.64%89.07%98.47%96.56%97.72%61.64%-2,743 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps