Oiverland Park, KS · Charter 63066
Q2 2007
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -4.26% | -7.41% | -5.47% | -7.88% | -4.06% | +20 bps | |
| Return on Equity | -40.74% | -92.48% | -63.16% | -117.22% | -56.09% | -1,534 bps | |
| Net Interest Margin | 8.51% | 8.91% | 8.89% | 8.17% | 7.27% | -124 bps | |
| Efficiency Ratio | 65.48% | 65.06% | 66.65% | 73.41% | 82.20% | +1,672 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -11.80% | -20.36% | -14.72% | -11.37% | -16.71% | -491 bps | |
| Loan Growth (YoY) | -19.93% | -22.59% | -24.71% | -21.18% | -20.75% | -82 bps | |
| Share Growth (YoY) | -8.61% | -16.36% | -10.55% | -7.57% | -13.69% | -508 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 11.58% | 8.15% | 12.15% | 13.71% | 14.58% | +300 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 6.00% | 5.18% | 6.06% | 7.47% | 7.79% | +180 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.47% | 8.01% | 8.67% | 6.72% | 7.24% | -323 bps | |
| Net Worth / Assets | 10.47% | 8.01% | 8.67% | 6.72% | 7.24% | -323 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 98.81% | 93.76% | 95.04% | 86.72% | 90.73% | -808 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |