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Topeka City Employees

Topeka, KS · Charter 63118

NCUA · 1 branch

Q3 2021

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: Q3 2021, the quarter ended September 30, 2021, 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

Topeka City Employees

Topeka, KS · Charter 63118

NCUA · 1 branch

Q3 2021

$10.1MAssets
$6.0MLoans
$9.3MShares
$602KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.38%, up 397 bps year over year; NIM at 3.71%.
  • Asset quality: problem loans at 5.02% of loans (-48 bps YoY).
  • Capital: net worth / assets of 5.96%, down 2 bps from a year ago.
  • Funding: loans stand at 64.14% of shares as of Q3 2021.

Financial Results

Return on Assets (YTD, annualized)

-0.38%+397 bps YoY

Net Interest Margin (YTD, annualized)

3.71%-143 bps YoY

Efficiency Ratio (YTD, annualized)

107.45%+2,303 bps YoY

Net Worth / Assets

5.96%-2 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021YoY ΔTrend
Earnings
Return on Assets-4.35%-3.05%-0.62%-0.20%-0.38%+397 bps
Return on Equity-72.75%-47.65%-10.12%-3.31%-6.37%+6,638 bps
Net Interest Margin5.14%4.92%3.80%3.84%3.71%-143 bps
Efficiency Ratio84.42%90.12%108.07%103.65%107.45%+2,303 bps
Growth
Asset Growth (YoY)-5.42%-10.20%-6.27%-5.32%1.01%+643 bps
Loan Growth (YoY)-15.20%-26.23%-26.26%-22.68%-22.29%-709 bps
Share Growth (YoY)-0.79%-6.65%-4.25%-3.75%-0.67%+12 bps
Asset Quality
Delinquent Loans / Loans5.50%7.97%5.48%4.03%5.02%-48 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans5.20%5.09%5.49%5.45%5.79%+60 bps
Capital
Risk-Based Capital5.97%6.40%6.17%6.20%5.96%-2 bps
Net Worth / Assets5.97%6.40%6.17%6.20%5.96%-2 bps
Liquidity & Funding
Loans / Shares81.98%78.08%71.78%67.16%64.14%-1,784 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps