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Employees'

Kansas City, KS · Charter 67998

Q2 2007

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 2007, the quarter ended June 30, 2007, 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

Employees'

Kansas City, KS · Charter 67998

Q2 2007

$673KAssets
$567KLoans
$622KShares
$0KNet Worth

Executive Summary

  • Earnings: ROA of -84.64%, down 8,483 bps year over year; NIM at -6.77%.
  • Asset quality: problem loans at 0.13% of loans (+1 bps YoY).
  • Capital: net worth / assets of 0.00%, down 2,623 bps from a year ago.
  • Funding: loans stand at 91.15% of shares as of Q2 2007.

Return on Assets (YTD, annualized)

-84.64%-8,483 bps YoY

Net Interest Margin (YTD, annualized)

-6.77%-1,245 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

0.00%-2,623 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2005Q4 2005Q1 2006Q2 2006Q3 2006Q4 2006Q1 2007Q2 2007YoY ΔTrend
Earnings
Return on Assets0.13%-0.59%0.22%0.19%0.22%0.20%0.09%-84.64%-8,483 bps
Return on Equity0.50%-2.15%0.86%0.71%0.82%0.69%0.31%n/an/a
Net Interest Margin5.62%6.10%5.54%5.68%5.67%6.23%5.69%-6.77%-1,245 bps
Efficiency Ratio93.90%92.40%93.06%93.45%92.48%90.21%98.56%n/an/a
Growth
Asset Growth (YoY)-11.93%-13.64%-11.43%-13.20%-5.29%-5.25%-8.91%-37.81%-2,461 bps
Loan Growth (YoY)-4.23%-9.96%-2.02%-11.39%-4.94%-5.90%-16.73%-24.22%-1,283 bps
Share Growth (YoY)-15.55%-17.28%-14.28%-16.63%-6.47%-7.47%-12.16%-22.02%-540 bps
Asset Quality
Delinquent Loans / Loans3.18%0.00%1.86%0.12%0.00%0.05%0.02%0.13%+1 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.50%1.21%1.28%1.08%1.02%1.37%1.55%37.31%+3,623 bps
Capital
Risk-Based Capital25.70%27.22%25.67%26.23%26.63%28.93%28.34%0.00%-2,623 bps
Net Worth / Assets25.70%27.22%25.67%26.23%26.63%28.93%28.34%0.00%-2,623 bps
Liquidity & Funding
Loans / Shares97.59%106.46%98.08%93.79%99.18%108.27%92.98%91.15%-264 bps
Liquid Assets / Assets24.08%20.31%24.63%0.00%0.00%0.00%0.00%0.00%0 bps