Wichita, KS · Charter 63283
NCUA · 18 branches
Q2 2019
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.26% | 0.20% | 0.13% | 0.19% | 0.23% | 0.35% | 0.21% | 0.32% | +12 bps | |
| Return on Equity | 2.72% | 2.12% | 1.42% | 1.98% | 2.26% | 3.39% | 2.19% | 3.24% | +126 bps | |
| Net Interest Margin | 3.32% | 3.33% | 3.20% | 3.24% | 3.37% | 3.36% | 3.15% | 3.15% | -10 bps | |
| Efficiency Ratio | 68.90% | 70.22% | 81.87% | 80.08% | 81.98% | 82.40% | 85.15% | 84.21% | +413 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.49% | -0.43% | 0.42% | -2.28% | -5.39% | -3.93% | 1.76% | 3.97% | +625 bps | |
| Loan Growth (YoY) | 1.43% | -4.66% | -6.72% | -5.73% | -3.01% | 0.08% | 1.71% | -0.21% | +552 bps | |
| Share Growth (YoY) | 3.48% | 1.97% | 0.18% | -1.32% | -4.84% | -5.85% | -2.53% | -1.70% | -38 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.73% | 0.64% | 0.42% | 0.34% | 0.43% | 0.46% | 0.42% | 0.40% | +5 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 | 0.99% | 1.01% | 0.93% | 0.95% | 0.88% | 0.68% | 0.67% | 0.61% | -34 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.39% | 9.51% | 9.49% | 9.70% | 10.11% | 10.25% | 9.67% | 9.71% | +2 bps | |
| Net Worth / Assets | 9.39% | 9.51% | 9.49% | 9.70% | 10.11% | 10.25% | 9.67% | 9.71% | +2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 101.52% | 98.91% | 92.89% | 96.82% | 103.47% | 105.15% | 96.93% | 98.29% | +146 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |