Topeka, KS · Charter 63118
NCUA · 1 branch
Q3 2021
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Topeka, KS · Charter 63118
NCUA · 1 branch
Q3 2021
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 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.45% | -2.69% | -2.40% | -4.35% | -3.05% | -0.62% | -0.20% | -0.38% | +397 bps | |
| Return on Equity | -5.32% | -33.23% | -31.66% | -72.75% | -47.65% | -10.12% | -3.31% | -6.37% | +6,638 bps | |
| Net Interest Margin | 3.68% | 5.12% | 4.95% | 5.14% | 4.92% | 3.80% | 3.84% | 3.71% | -143 bps | |
| Efficiency Ratio | 88.41% | 76.63% | 81.87% | 84.42% | 90.12% | 108.07% | 103.65% | 107.45% | +2,303 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 36.00% | 28.11% | -0.20% | -5.42% | -10.20% | -6.27% | -5.32% | 1.01% | +643 bps | |
| Loan Growth (YoY) | 92.01% | 68.25% | 6.49% | -15.20% | -26.23% | -26.26% | -22.68% | -22.29% | -709 bps | |
| Share Growth (YoY) | 39.94% | 36.58% | 2.59% | -0.79% | -6.65% | -4.25% | -3.75% | -0.67% | +12 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.27% | 6.35% | 3.93% | 5.50% | 7.97% | 5.48% | 4.03% | 5.02% | -48 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.56% | 3.70% | 2.81% | 5.20% | 5.09% | 5.49% | 5.45% | 5.79% | +60 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.52% | 8.11% | 7.58% | 5.97% | 6.40% | 6.17% | 6.20% | 5.96% | -2 bps | |
| Net Worth / Assets | 8.52% | 8.11% | 7.58% | 5.97% | 6.40% | 6.17% | 6.20% | 5.96% | -2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.80% | 93.20% | 83.61% | 81.98% | 78.08% | 71.78% | 67.16% | 64.14% | -1,784 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |