Topeka, KS · Charter 60699
NCUA
Q1 2016
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 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | 0.75% | 0.92% | 0.82% | 0.97% | 0.93% | 0.90% | 1.19% | +38 bps | |
| Return on Equity | 7.93% | 8.99% | 10.58% | 9.52% | 11.06% | 10.28% | 9.87% | 12.85% | +334 bps | |
| Net Interest Margin | 2.97% | 3.08% | 3.11% | 3.13% | 3.13% | 3.22% | 3.21% | 3.32% | +20 bps | |
| Efficiency Ratio | 78.00% | 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 / Loans | 0.42% | 0.47% | 0.47% | 0.44% | 0.77% | 0.46% | 0.51% | 0.46% | +2 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.81% | 0.75% | 0.59% | 0.67% | 0.54% | 0.53% | 0.46% | 0.41% | -27 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.01% | 8.40% | 8.69% | 8.59% | 8.79% | 9.07% | 9.15% | 9.29% | +70 bps | |
| Net Worth / Assets | 8.01% | 8.40% | 8.69% | 8.59% | 8.79% | 9.07% | 9.15% | 9.29% | +70 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 66.55% | 71.75% | 73.76% | 72.26% | 73.87% | 78.27% | 80.68% | 81.53% | +927 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |