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Kansas Power & Light Emp. Cr. Un.

Leavenworth, KS · Charter 67842

Q2 1996

$137KAssets
$79KLoans
$115KShares
n/aNet 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 6.85%, up 234 bps year over year.
  • Asset quality: problem loans at 1.65% of loans (-31 bps YoY).
  • Funding: loans stand at 68.10% of shares as of Q2 1996.

Financial Results

Return on Assets (quarter, annualized)

6.85%+234 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1994Q4 1994Q2 1995Q4 1995Q2 1996YoY ΔTrend
Earnings
Return on Assets4.52%3.81%5.27%4.43%6.85%+234 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)n/an/an/an/a-1.53%n/an/a
Loan Growth (YoY)n/an/an/an/a9.94%n/an/a
Share Growth (YoY)n/an/an/an/a-5.27%n/an/a
Asset Quality
Delinquent Loans / Loans1.96%0.00%1.59%3.29%1.65%-31 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.02%0.54%0.46%0.49%0.52%+50 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares58.68%64.45%76.37%69.97%68.10%+942 bps
Liquid Assets / Assets24.81%25.40%26.21%24.26%25.33%+52 bps