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Kansas

Topeka, KS · Charter 65282

NCUA · 10 branches

Q4 2022

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: Q4 2022, the quarter ended December 31, 2022, 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

Kansas

Topeka, KS · Charter 65282

NCUA · 10 branches

Q4 2022

$530.7MAssets
$428.6MLoans
$463.9MShares
$58.7MNet Worth

Executive Summary

  • Earnings: ROA of 0.92%, down 3 bps year over year; NIM at 3.09%.
  • Asset quality: problem loans at 0.35% of loans (+7 bps YoY).
  • Capital: net worth / assets of 11.07%, up 48 bps from a year ago.
  • Funding: loans stand at 92.37% of shares as of Q4 2022.

Return on Assets (YTD, annualized)

0.92%-3 bps YoY

Net Interest Margin (YTD, annualized)

3.09%+29 bps YoY

Efficiency Ratio (YTD, annualized)

81.51%-50 bps YoY

Net Worth / Assets

11.07%+48 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2021Q2 2021Q3 2021Q4 2021Q1 2022Q2 2022Q3 2022Q4 2022YoY ΔTrend
Earnings
Return on Assets0.57%0.98%0.89%0.95%0.52%0.65%0.69%0.92%-3 bps
Return on Equity5.81%9.51%8.58%8.99%5.03%6.14%6.52%8.33%-66 bps
Net Interest Margin2.53%2.70%2.72%2.81%2.80%2.94%2.98%3.09%+29 bps
Efficiency Ratio85.09%81.72%82.60%82.01%86.52%83.46%82.17%81.51%-50 bps
Growth
Asset Growth (YoY)20.40%10.88%12.13%9.13%5.03%4.79%6.07%4.33%-480 bps
Loan Growth (YoY)6.59%7.58%7.81%7.76%8.42%8.47%10.74%10.86%+310 bps
Share Growth (YoY)22.64%11.49%12.43%9.71%5.45%6.13%6.26%3.64%-607 bps
Asset Quality
Delinquent Loans / Loans0.36%0.28%0.30%0.28%0.26%0.31%0.27%0.35%+7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.89%0.78%0.74%0.70%0.69%0.73%0.75%0.51%-19 bps
Capital
Risk-Based Capital9.88%10.32%10.34%10.59%10.32%10.63%10.54%11.07%+48 bps
Net Worth / Assets9.88%10.32%10.34%10.59%10.32%10.63%10.54%11.07%+48 bps
Liquidity & Funding
Loans / Shares81.11%85.63%86.04%86.36%83.39%87.52%89.66%92.37%+602 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps