PackageTrendsPeer
Letter portraitLegal landscape

Educom

Lawrence, KS · Charter 62439

Q4 2001

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: Q4 2001, the quarter ended December 31, 2001, 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

Educom

Lawrence, KS · Charter 62439

Q4 2001

$5.0MAssets
$4.1MLoans
$4.6MShares
$375KNet Worth

Executive Summary

  • Earnings: ROA of 0.93%, up 60 bps year over year; NIM at 3.84%.
  • Asset quality: problem loans at 1.33% of loans (+49 bps YoY).
  • Capital: net worth / assets of 7.50%.
  • Funding: loans stand at 90.98% of shares as of Q4 2001.

Return on Assets (YTD, annualized)

0.93%+60 bps YoY

Net Interest Margin (YTD, annualized)

3.84%-7 bps YoY

Efficiency Ratio (YTD, annualized)

70.97%+761 bps YoY

Net Worth / Assets

7.50%

Year to date, annualized, through each quarter.

MetricQ2 1998Q4 1998Q2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets5.40%4.88%4.12%0.33%0.90%0.52%0.85%0.93%+60 bps
Return on Equityn/an/an/an/an/a8.04%12.22%12.38%n/a
Net Interest Marginn/an/an/a3.91%4.16%3.70%3.81%3.84%-7 bps
Efficiency Ration/an/an/a63.36%68.54%70.95%71.98%70.97%+761 bps
Growth
Asset Growth (YoY)17.29%14.71%17.81%19.26%15.40%31.24%17.52%17.59%-167 bps
Loan Growth (YoY)7.15%0.15%-12.21%2.71%14.23%45.48%51.59%25.08%+2,237 bps
Share Growth (YoY)15.79%8.21%18.42%15.76%16.50%30.52%13.83%20.20%+444 bps
Asset Quality
Delinquent Loans / Loans2.34%4.17%1.20%0.85%1.58%1.22%1.64%1.33%+49 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.90%0.30%0.07%0.79%0.84%0.86%0.87%0.61%-18 bps
Capital
Risk-Based Capitaln/an/an/an/an/a6.42%6.91%7.50%n/a
Net Worth / Assetsn/an/an/an/an/a6.42%6.91%7.50%n/a
Liquidity & Funding
Loans / Shares89.56%95.14%74.51%87.43%87.81%106.05%99.22%90.98%+355 bps
Liquid Assets / Assets10.83%14.72%28.07%0.00%2.28%6.72%110.41%115.35%+11,535 bps