Wichita, KS · Charter 67809
Q3 2006
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2006, the quarter ended September 30, 2006, 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 67809
Q3 2006
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 | Q3 2005 | Q4 2005 | Q1 2006 | Q2 2006 | Q3 2006 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -12.37% | -10.86% | -15690% | -2.41% | -5415% | -540,291 bps | |
| Return on Equity | -114.13% | -101.38% | -15690% | -2.41% | -5415% | -530,115 bps | |
| Net Interest Margin | -7.36% | -4.96% | -15989% | 0.00% | -5514% | -550,660 bps | |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -18.72% | -19.57% | -99.80% | -99.80% | -99.76% | -8,104 bps | |
| Loan Growth (YoY) | -28.63% | -81.34% | -100.00% | -100.00% | -100.00% | -7,137 bps | |
| Share Growth (YoY) | -13.37% | -13.03% | -100.00% | -100.00% | -100.00% | -8,663 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.65% | 28.78% | n/a | n/a | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.14% | 8.29% | n/a | n/a | n/a | n/a | |
| Capital | |||||||
| Risk-Based Capital | 10.84% | 10.71% | 100.00% | 100.00% | 100.00% | +8,916 bps | |
| Net Worth / Assets | 10.84% | 10.71% | 100.00% | 100.00% | 100.00% | +8,916 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.99% | 17.91% | n/a | n/a | n/a | n/a | |
| Liquid Assets / Assets | 40.68% | 82.68% | 100.00% | 0.00% | 0.00% | -4,068 bps | |