Topeka, KS · Charter 63162
NCUA · 1 branch
Q1 2017
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Topeka, KS · Charter 63162
NCUA · 1 branch
Q1 2017
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 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.33% | 0.23% | 0.47% | 0.33% | -1.46% | -1.38% | -0.97% | -4.77% | -510 bps | |
| Return on Equity | -1.47% | 1.03% | 1.99% | 1.46% | -6.78% | -6.51% | -4.44% | -21.27% | -2,274 bps | |
| Net Interest Margin | 3.47% | 3.59% | 3.70% | 3.50% | 3.34% | 3.42% | 3.52% | 3.97% | +48 bps | |
| Efficiency Ratio | 96.78% | 86.58% | 83.02% | 91.39% | 121.02% | 124.19% | 115.88% | 142.45% | +5,106 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.70% | 1.23% | 1.00% | -1.32% | 2.19% | 2.53% | 2.10% | -7.80% | -648 bps | |
| Loan Growth (YoY) | 8.14% | 6.90% | 12.84% | 14.86% | 7.03% | -3.19% | -4.94% | -14.31% | -2,917 bps | |
| Share Growth (YoY) | 1.46% | 1.63% | 0.63% | -2.24% | 3.05% | 4.51% | 4.32% | -7.32% | -507 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.13% | 0.46% | 0.96% | 0.39% | 0.27% | 0.58% | 2.70% | 0.00% | -39 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 | 0.49% | 0.46% | 0.46% | 0.47% | 0.96% | 0.80% | 0.83% | 1.73% | +126 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.28% | 22.59% | 23.44% | 22.81% | 21.60% | 21.20% | 21.83% | 22.42% | -39 bps | |
| Net Worth / Assets | 22.28% | 22.59% | 23.44% | 22.81% | 21.60% | 21.20% | 21.83% | 22.42% | -39 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.15% | 85.72% | 88.01% | 84.13% | 83.24% | 79.41% | 80.20% | 77.79% | -635 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |