Wichita, KS · Charter 67818
Q3 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2014, the quarter ended September 30, 2014, 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 67818
Q3 2014
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 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.80% | -0.57% | -0.07% | -0.25% | -0.75% | +5 bps | |
| Return on Equity | -9.03% | -6.32% | -0.83% | -2.89% | -8.81% | +23 bps | |
| Net Interest Margin | 3.83% | 3.87% | 3.60% | 3.66% | 3.85% | +1 bps | |
| Efficiency Ratio | 98.59% | 97.86% | 100.97% | 102.14% | 98.29% | -30 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.55% | -3.16% | 0.71% | -2.32% | -2.16% | -61 bps | |
| Loan Growth (YoY) | -1.16% | -3.71% | -5.54% | -1.88% | -0.61% | +55 bps | |
| Share Growth (YoY) | -0.30% | -2.58% | 2.22% | -1.74% | -1.27% | -98 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.67% | 2.06% | 1.76% | 1.45% | 2.02% | +35 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.94% | 1.67% | 1.33% | 1.23% | 1.50% | -45 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.80% | 8.99% | 8.45% | 8.63% | 8.49% | -31 bps | |
| Net Worth / Assets | 8.80% | 8.99% | 8.45% | 8.63% | 8.49% | -31 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 67.32% | 69.44% | 63.30% | 68.99% | 67.78% | +45 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |