Topeka, KS · Charter 68006
Q3 2005
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2004 | Q4 2004 | Q1 2005 | Q2 2005 | Q3 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.17% | 0.82% | -6.11% | -3.08% | -3.61% | -478 bps | |
| Return on Equity | 10.59% | 7.18% | -64.24% | -29.80% | -36.57% | -4,716 bps | |
| Net Interest Margin | 5.31% | 5.69% | 4.98% | 5.23% | 5.81% | +50 bps | |
| Efficiency Ratio | 62.33% | 65.50% | 90.87% | 91.73% | 87.47% | +2,514 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 5.21% | -0.45% | -1.59% | -5.89% | -12.80% | -1,800 bps | |
| Loan Growth (YoY) | 6.68% | 10.43% | 13.55% | -10.84% | -17.13% | -2,381 bps | |
| Share Growth (YoY) | 6.14% | 1.37% | 2.44% | -5.49% | -11.29% | -1,743 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 9.01% | 12.39% | 10.06% | 8.79% | 11.56% | +254 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.87% | 3.48% | 4.46% | 5.13% | 4.43% | +155 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.06% | 11.39% | 9.52% | 10.35% | 9.87% | -119 bps | |
| Net Worth / Assets | 11.06% | 11.39% | 9.52% | 10.35% | 9.87% | -119 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 89.56% | 94.49% | 89.51% | 86.14% | 83.66% | -590 bps | |
| Liquid Assets / Assets | 21.26% | 17.34% | 20.34% | 23.63% | 24.72% | +346 bps | |