PackageTrendsPeer
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Watertown Educational Employees

Watertown, SD · Charter 9233

NCUA · 1 branch

Q4 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: Q4 2017, the quarter ended December 31, 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

Watertown Educational Employees

Watertown, SD · Charter 9233

NCUA · 1 branch

Q4 2017

$1.1MAssets
$620KLoans
$1.0MShares
$94KNet Worth

Executive Summary

  • Earnings: ROA of 0.27%, up 21 bps year over year; NIM at 2.31%.
  • Asset quality: problem loans at 1.05% of loans (+105 bps YoY).
  • Capital: net worth / assets of 8.31%, down 32 bps from a year ago.
  • Funding: loans stand at 59.56% of shares as of Q4 2017.

Return on Assets (YTD, annualized)

0.27%+21 bps YoY

Net Interest Margin (YTD, annualized)

2.31%-8 bps YoY

Efficiency Ratio (YTD, annualized)

87.72%-883 bps YoY

Net Worth / Assets

8.31%-32 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2016Q2 2016Q3 2016Q4 2016Q1 2017Q2 2017Q3 2017Q4 2017YoY ΔTrend
Earnings
Return on Assets0.08%0.18%0.10%0.06%-0.16%0.03%0.13%0.27%+21 bps
Return on Equity0.89%1.95%1.12%0.66%-1.93%0.39%1.50%3.19%+253 bps
Net Interest Margin2.30%2.50%2.49%2.39%2.20%2.28%2.36%2.31%-8 bps
Efficiency Ratio95.08%91.49%94.88%96.55%105.84%97.63%93.73%87.72%-883 bps
Growth
Asset Growth (YoY)4.69%-0.54%5.79%6.86%3.45%7.95%5.60%6.83%-3 bps
Loan Growth (YoY)10.80%3.05%-16.34%-19.28%-11.38%6.75%21.59%32.86%+5,214 bps
Share Growth (YoY)5.12%-0.73%6.17%7.44%3.78%8.76%6.05%7.23%-21 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%1.05%+105 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.28%1.30%1.48%1.61%1.50%1.25%1.26%1.26%-36 bps
Capital
Risk-Based Capital8.54%9.00%8.86%8.63%8.25%8.33%8.47%8.31%-32 bps
Net Worth / Assets8.54%9.00%8.86%8.63%8.25%8.33%8.47%8.31%-32 bps
Liquidity & Funding
Loans / Shares58.78%61.91%53.69%48.07%50.19%60.76%61.55%59.56%+1,149 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps