Wichita, KS · Charter 61776
Q3 2005
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2005, the quarter ended September 30, 2005, 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.
Wichita, KS · Charter 61776
Q3 2005
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 | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.53% | 0.49% | 0.16% | 0.54% | 0.78% | +25 bps | |
| Return on Equity | 2.35% | 2.13% | 0.71% | 2.30% | 3.27% | +93 bps | |
| Net Interest Margin | 4.12% | 4.23% | 4.25% | 4.57% | 4.80% | +68 bps | |
| Efficiency Ratio | 80.41% | 80.24% | 87.27% | 78.21% | 74.18% | -623 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.65% | 0.28% | 2.15% | -4.64% | -2.26% | -391 bps | |
| Loan Growth (YoY) | 2.45% | 4.34% | 0.70% | 5.66% | 5.07% | +263 bps | |
| Share Growth (YoY) | 1.76% | 0.42% | 2.56% | -6.81% | -4.43% | -619 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.82% | 2.91% | 1.03% | 0.52% | 0.64% | -17 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.02% | 2.29% | 2.16% | 1.86% | 1.81% | -21 bps | |
| Capital | |||||||
| Risk-Based Capital | 22.78% | 23.12% | 23.23% | 23.41% | 23.99% | +120 bps | |
| Net Worth / Assets | 22.78% | 23.12% | 23.23% | 23.41% | 23.99% | +120 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 88.04% | 89.72% | 87.72% | 93.79% | 96.80% | +876 bps | |
| Liquid Assets / Assets | 24.68% | 28.66% | 27.75% | 23.97% | 24.34% | -34 bps | |