Wichita, KS · Charter 61925
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 31, 2014, 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 61925
Q4 2014
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 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.20% | -0.55% | -0.46% | -0.50% | -0.55% | +65 bps | |
| Return on Equity | -17.33% | -8.05% | -6.89% | -7.68% | -8.17% | +915 bps | |
| Net Interest Margin | 4.34% | 4.27% | 4.16% | 4.10% | 4.31% | -3 bps | |
| Efficiency Ratio | 121.35% | 109.67% | 108.32% | 109.07% | 109.44% | -1,191 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.88% | -1.19% | 1.55% | -1.56% | -4.98% | -886 bps | |
| Loan Growth (YoY) | 10.95% | 15.47% | 16.02% | -16.48% | -25.74% | -3,669 bps | |
| Share Growth (YoY) | 4.26% | 2.64% | 2.80% | 3.72% | -3.69% | -795 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.60% | 0.65% | 0.70% | 0.88% | 1.17% | +57 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.28% | 1.28% | 1.29% | 1.11% | 1.40% | +12 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.92% | 6.84% | 6.70% | 6.51% | 6.73% | -19 bps | |
| Net Worth / Assets | 6.92% | 6.84% | 6.70% | 6.51% | 6.73% | -19 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.49% | 88.76% | 86.32% | 81.19% | 69.00% | -2,049 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |