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Electrical Workers

Topeka, KS · Charter 67808

Q3 2002

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: Q3 2002, the quarter ended September 30, 2002, 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

Electrical Workers

Topeka, KS · Charter 67808

Q3 2002

$3.7MAssets
$1.8MLoans
$3.4MShares
$286KNet Worth

Executive Summary

  • Earnings: ROA of 0.03%, down 32 bps year over year; NIM at 2.34%.
  • Asset quality: problem loans at 0.95% of loans (-5 bps YoY).
  • Capital: net worth / assets of 7.76%, down 179 bps from a year ago.
  • Funding: loans stand at 53.67% of shares as of Q3 2002.

Return on Assets (YTD, annualized)

0.03%-32 bps YoY

Net Interest Margin (YTD, annualized)

2.34%-164 bps YoY

Efficiency Ratio (YTD, annualized)

98.99%+1,863 bps YoY

Net Worth / Assets

7.76%-179 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 1999Q4 1999Q2 2000Q4 2000Q2 2001Q4 2001Q2 2002Q3 2002YoY ΔTrend
Earnings
Return on Assets4.04%0.42%0.33%0.34%0.51%0.31%-0.10%0.03%-32 bps
Return on Equityn/an/an/a3.61%6.06%3.66%-1.35%0.33%-328 bps
Net Interest Marginn/a3.62%3.75%3.98%3.41%3.06%2.20%2.34%-164 bps
Efficiency Ration/a83.12%80.80%80.37%85.95%90.57%104.22%98.99%+1,863 bps
Growth
Asset Growth (YoY)8.43%6.88%-0.46%-3.49%8.94%14.79%24.68%28.11%+3,159 bps
Loan Growth (YoY)7.96%15.79%18.65%24.30%0.76%-4.19%-24.36%-28.57%-5,287 bps
Share Growth (YoY)8.06%6.55%-1.14%-4.58%8.91%15.53%26.51%30.76%+3,533 bps
Asset Quality
Delinquent Loans / Loans0.93%2.06%1.75%1.00%0.83%0.83%1.24%0.95%-5 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.40%0.32%0.41%0.49%0.65%0.73%0.60%0.61%+12 bps
Capital
Risk-Based Capitaln/an/an/a9.55%8.36%8.35%7.53%7.76%-179 bps
Net Worth / Assetsn/an/an/a9.55%8.36%8.35%7.53%7.76%-179 bps
Liquidity & Funding
Loans / Shares81.51%83.86%86.82%98.24%75.41%69.55%51.91%53.67%-4,457 bps
Liquid Assets / Assets8.61%0.50%0.50%9.61%29.62%34.95%50.41%48.90%+3,929 bps