PackageTrendsPeer
Letter portraitLegal landscape

Rainbow

Winfield, KS · Charter 67788

Q2 2003

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 2003, the quarter ended June 30, 2003, 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

Rainbow

Winfield, KS · Charter 67788

Q2 2003

$2.1MAssets
$1.4MLoans
$2.0MShares
$121KNet 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 -3.78%, down 658 bps year over year; NIM at 6.00%.
  • Asset quality: problem loans at 3.67% of loans (-458 bps YoY).
  • Capital: net worth / assets of 5.77%, down 460 bps from a year ago.
  • Funding: loans stand at 72.63% of shares as of Q2 2003.

Financial Results

Return on Assets (YTD, annualized)

-3.78%-658 bps YoY

Net Interest Margin (YTD, annualized)

6.00%-248 bps YoY

Efficiency Ratio (YTD, annualized)

100.72%+4,187 bps YoY

Net Worth / Assets

5.77%-460 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2002Q3 2002Q4 2002Q1 2003Q2 2003YoY ΔTrend
Earnings
Return on Assets2.80%-1.89%-1.24%-3.14%-3.78%-658 bps
Return on Equity26.99%-23.57%-17.38%-45.85%-65.52%-9,251 bps
Net Interest Margin8.48%7.90%7.55%5.84%6.00%-248 bps
Efficiency Ratio58.85%59.89%66.53%104.51%100.72%+4,187 bps
Growth
Asset Growth (YoY)-17.04%-12.10%-6.57%-13.24%-3.87%+1,317 bps
Loan Growth (YoY)-14.50%-16.51%-25.24%-32.30%-35.95%-2,145 bps
Share Growth (YoY)-24.27%-19.62%-18.95%-12.78%2.60%+2,686 bps
Asset Quality
Delinquent Loans / Loans8.25%5.89%4.21%3.59%3.67%-458 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.59%5.32%2.48%3.37%2.87%+128 bps
Capital
Risk-Based Capital10.37%8.01%7.15%6.86%5.77%-460 bps
Net Worth / Assets10.37%8.01%7.15%6.86%5.77%-460 bps
Liquidity & Funding
Loans / Shares116.33%117.39%101.40%88.79%72.63%-4,371 bps
Liquid Assets / Assets0.00%9.19%20.52%20.20%27.35%+2,735 bps