Topeka, KS · Charter 61111
Q1 2015
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2015, the quarter ended March 31, 2015, 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.
Topeka, KS · Charter 61111
Q1 2015
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 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.00% | -0.93% | -0.83% | -1.01% | -1.27% | -27 bps | |
| Return on Equity | -14.51% | -13.93% | -12.40% | -15.63% | -22.62% | -811 bps | |
| Net Interest Margin | 3.14% | 3.04% | 3.11% | 3.18% | 2.75% | -40 bps | |
| Efficiency Ratio | 114.43% | 115.89% | 116.84% | 117.75% | 124.70% | +1,027 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.55% | -1.23% | 0.52% | 0.98% | 4.06% | +961 bps | |
| Loan Growth (YoY) | 5.39% | 3.57% | -6.33% | -6.70% | -10.19% | -1,558 bps | |
| Share Growth (YoY) | -5.61% | -0.27% | 1.92% | 2.40% | 5.25% | +1,086 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.18% | 1.18% | 1.23% | 1.65% | 1.91% | +72 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.55% | 0.59% | 0.51% | 0.65% | 0.82% | +26 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.91% | 6.65% | 6.66% | 6.49% | 5.63% | -128 bps | |
| Net Worth / Assets | 6.91% | 6.65% | 6.66% | 6.49% | 5.63% | -128 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 72.52% | 71.55% | 70.84% | 72.03% | 61.88% | -1,064 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |