PackageTrendsPeer
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St. Stephen

Kansas City, MO · Charter 64501

Q2 2006

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: Q2 2006, the quarter ended June 30, 2006, 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

St. Stephen

Kansas City, MO · Charter 64501

Q2 2006

$152KAssets
$143KLoans
$129KShares
$22KNet 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 0.51%, down 146 bps year over year; NIM at 7.56%.
  • Asset quality: problem loans at 0.00% of loans (-2,624 bps YoY).
  • Capital: net worth / assets of 14.56%, down 28 bps from a year ago.
  • Funding: loans stand at 110.96% of shares as of Q2 2006.

Financial Results

Return on Assets (YTD, annualized)

0.51%-146 bps YoY

Net Interest Margin (YTD, annualized)

7.56%-145 bps YoY

Efficiency Ratio (YTD, annualized)

94.12%+1,379 bps YoY

Net Worth / Assets

14.56%-28 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2005Q3 2005Q4 2005Q1 2006Q2 2006YoY ΔTrend
Earnings
Return on Assets1.96%1.45%1.15%1.95%0.51%-146 bps
Return on Equity13.22%9.97%8.33%13.38%3.47%-975 bps
Net Interest Margin9.01%8.31%8.11%8.16%7.56%-145 bps
Efficiency Ratio80.33%84.40%87.30%79.28%94.12%+1,379 bps
Growth
Asset Growth (YoY)-24.95%-24.61%-24.61%-5.59%-4.65%+2,030 bps
Loan Growth (YoY)-15.58%-16.47%7.23%-1.28%20.70%+3,627 bps
Share Growth (YoY)-28.52%-27.77%-27.04%-5.67%-4.32%+2,420 bps
Asset Quality
Delinquent Loans / Loans26.24%36.92%31.21%38.55%0.00%-2,624 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.45%0.19%1.03%1.14%1.07%-139 bps
Capital
Risk-Based Capital14.84%14.50%13.83%14.58%14.56%-28 bps
Net Worth / Assets14.84%14.50%13.83%14.58%14.56%-28 bps
Liquidity & Funding
Loans / Shares87.97%90.63%109.03%101.67%110.96%+2,300 bps
Liquid Assets / Assets0.16%0.17%0.19%0.03%0.00%-16 bps