Concordia, KS · Charter 5290
Q2 1996
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1996, the quarter ended June 30, 1996, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Concordia, KS · Charter 5290
Q2 1996
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 1994 | Q4 1994 | Q2 1995 | Q4 1995 | Q2 1996 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.45% | 3.89% | 4.05% | 4.64% | 2.75% | -69 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | 4.81% | n/a | n/a |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 24.07% | n/a | n/a |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | 5.77% | n/a | n/a |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.39% | 0.31% | 0.24% | 0.21% | 2.00% | +161 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.00% | 4.59% | 5.30% | 7.20% | 4.55% | +55 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.43% | 53.87% | 57.35% | 41.37% | 69.71% | +1,029 bps | |
| Liquid Assets / Assets | 46.66% | 50.19% | 49.61% | 61.75% | 39.93% | -674 bps | |