Wichita, KS · Charter 65965
NCUA
Q1 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2016, the quarter ended March 31, 2016, 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.
Wichita, KS · Charter 65965
NCUA
Q1 2016
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.86% | -0.90% | -1.01% | -1.01% | 0.24% | +110 bps | |
| Return on Equity | -7.04% | -7.60% | -8.79% | -8.35% | 2.00% | +904 bps | |
| Net Interest Margin | 2.01% | 2.00% | 1.97% | 1.97% | 1.77% | -23 bps | |
| Efficiency Ratio | 131.70% | 135.83% | 138.79% | 139.50% | 88.31% | -4,339 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.29% | -5.22% | -1.32% | -5.88% | -6.13% | +16 bps | |
| Loan Growth (YoY) | -16.58% | -6.68% | -8.23% | -12.17% | -19.53% | -295 bps | |
| Share Growth (YoY) | -5.93% | -4.39% | 0.54% | -6.01% | -6.66% | -73 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.56% | 0.50% | 1.53% | 1.67% | 0.49% | -7 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.27% | 0.27% | 0.29% | 0.36% | 0.40% | +13 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.17% | 11.86% | 11.47% | 12.06% | 12.23% | +7 bps | |
| Net Worth / Assets | 12.17% | 11.86% | 11.47% | 12.06% | 12.23% | +7 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 38.69% | 38.52% | 36.55% | 36.20% | 33.35% | -534 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |