PackageTrendsPeer
Letter portraitLegal landscape

Employment Security Employees

Topeka, KS · Charter 63162

NCUA · 1 branch

Q1 2017

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: Q1 2017, the quarter ended March 31, 2017, 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

Employment Security Employees

Topeka, KS · Charter 63162

NCUA · 1 branch

Q1 2017

$1.5MAssets
$914KLoans
$1.2MShares
$340KNet 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 -4.77%, down 510 bps year over year; NIM at 3.97%.
  • Asset quality: problem loans at 0.00% of loans (-39 bps YoY).
  • Capital: net worth / assets of 22.42%, down 39 bps from a year ago.
  • Funding: loans stand at 77.79% of shares as of Q1 2017.

Financial Results

Return on Assets (YTD, annualized)

-4.77%-510 bps YoY

Net Interest Margin (YTD, annualized)

3.97%+48 bps YoY

Efficiency Ratio (YTD, annualized)

142.45%+5,106 bps YoY

Net Worth / Assets

22.42%-39 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2016Q2 2016Q3 2016Q4 2016Q1 2017YoY ΔTrend
Earnings
Return on Assets0.33%-1.46%-1.38%-0.97%-4.77%-510 bps
Return on Equity1.46%-6.78%-6.51%-4.44%-21.27%-2,274 bps
Net Interest Margin3.50%3.34%3.42%3.52%3.97%+48 bps
Efficiency Ratio91.39%121.02%124.19%115.88%142.45%+5,106 bps
Growth
Asset Growth (YoY)-1.32%2.19%2.53%2.10%-7.80%-648 bps
Loan Growth (YoY)14.86%7.03%-3.19%-4.94%-14.31%-2,917 bps
Share Growth (YoY)-2.24%3.05%4.51%4.32%-7.32%-507 bps
Asset Quality
Delinquent Loans / Loans0.39%0.27%0.58%2.70%0.00%-39 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.47%0.96%0.80%0.83%1.73%+126 bps
Capital
Risk-Based Capital22.81%21.60%21.20%21.83%22.42%-39 bps
Net Worth / Assets22.81%21.60%21.20%21.83%22.42%-39 bps
Liquidity & Funding
Loans / Shares84.13%83.24%79.41%80.20%77.79%-635 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps