PackageTrendsPeer
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Educational

Topeka, KS · Charter 60699

NCUA

Q1 2016

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 2016, the quarter ended March 31, 2016, 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

Educational

Topeka, KS · Charter 60699

NCUA

Q1 2016

$204.9MAssets
$150.6MLoans
$184.7MShares
$19.0MNet Worth

Executive Summary

  • Earnings: ROA of 1.19%, up 38 bps year over year; NIM at 3.32%.
  • Asset quality: problem loans at 0.46% of loans (+2 bps YoY).
  • Capital: net worth / assets of 9.29%, up 70 bps from a year ago.
  • Funding: loans stand at 81.53% of shares as of Q1 2016.

Return on Assets (YTD, annualized)

1.19%+38 bps YoY

Net Interest Margin (YTD, annualized)

3.32%+20 bps YoY

Efficiency Ratio (YTD, annualized)

68.93%-396 bps YoY

Net Worth / Assets

9.29%+70 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2014Q3 2014Q4 2014Q1 2015Q2 2015Q3 2015Q4 2015Q1 2016YoY ΔTrend
Earnings
Return on Assets0.64%0.75%0.92%0.82%0.97%0.93%0.90%1.19%+38 bps
Return on Equity7.93%8.99%10.58%9.52%11.06%10.28%9.87%12.85%+334 bps
Net Interest Margin2.97%3.08%3.11%3.13%3.13%3.22%3.21%3.32%+20 bps
Efficiency Ratio78.00%77.46%75.66%72.89%74.67%75.59%75.81%68.93%-396 bps
Growth
Asset Growth (YoY)3.64%2.17%3.01%2.23%3.69%4.61%5.45%3.46%+124 bps
Loan Growth (YoY)15.33%17.75%16.93%16.81%14.14%13.30%15.04%15.93%-88 bps
Share Growth (YoY)3.53%1.55%2.03%1.38%2.83%3.86%5.17%2.74%+136 bps
Asset Quality
Delinquent Loans / Loans0.42%0.47%0.47%0.44%0.77%0.46%0.51%0.46%+2 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.81%0.75%0.59%0.67%0.54%0.53%0.46%0.41%-27 bps
Capital
Risk-Based Capital8.01%8.40%8.69%8.59%8.79%9.07%9.15%9.29%+70 bps
Net Worth / Assets8.01%8.40%8.69%8.59%8.79%9.07%9.15%9.29%+70 bps
Liquidity & Funding
Loans / Shares66.55%71.75%73.76%72.26%73.87%78.27%80.68%81.53%+927 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps