Topeka, KS · Charter 67760
NCUA · 1 branch
Q3 2023
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 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.36% | 0.28% | 0.11% | 0.41% | 0.20% | 0.50% | -1.07% | -0.96% | -138 bps | |
| Return on Equity | -11.68% | 2.35% | 0.89% | 3.18% | 1.52% | 3.87% | -8.68% | -7.04% | -1,022 bps | |
| Net Interest Margin | 1.55% | 2.19% | 2.31% | 2.50% | 2.67% | 3.23% | 2.92% | 3.72% | +122 bps | |
| Efficiency Ratio | 156.52% | 116.23% | 101.86% | 100.81% | 104.60% | 91.55% | 138.49% | 127.00% | +2,619 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.97% | 2.35% | -3.61% | -7.67% | -7.85% | -5.41% | -0.98% | -11.59% | -392 bps | |
| Loan Growth (YoY) | -6.50% | 7.89% | 37.96% | 41.00% | 51.11% | 33.33% | 0.59% | -7.19% | -4,819 bps | |
| Share Growth (YoY) | 4.63% | 3.66% | -3.13% | -8.67% | -9.05% | -6.38% | -0.76% | -12.18% | -351 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.75% | 0.63% | 0.47% | 0.00% | 0.00% | 0.00% | 0.57% | 1.26% | +126 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 | 0.68% | 0.32% | 0.45% | 0.14% | 0.11% | 0.05% | 0.05% | 0.06% | -8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.62% | 11.83% | 12.58% | 13.04% | 13.08% | 12.86% | 12.30% | 13.68% | +64 bps | |
| Net Worth / Assets | 11.62% | 11.83% | 12.58% | 13.04% | 13.08% | 12.86% | 12.30% | 13.68% | +64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 60.99% | 67.17% | 88.92% | 93.75% | 101.32% | 95.66% | 90.13% | 99.07% | +532 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |