Wichita, KS · Charter 68189
Q1 2007
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 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.99% | 0.81% | 0.65% | -4.98% | -1.52% | -451 bps | |
| Return on Equity | 76.37% | 22.13% | 17.27% | n/a | n/a | n/a | |
| Net Interest Margin | 10.16% | 9.37% | 9.55% | 9.20% | 10.98% | +82 bps | |
| Efficiency Ratio | 61.82% | 68.75% | 69.56% | 82.74% | 104.31% | +4,250 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 10.01% | 6.05% | 3.52% | -0.41% | -12.33% | -2,234 bps | |
| Loan Growth (YoY) | 5.86% | 12.27% | 9.79% | 0.21% | -4.49% | -1,035 bps | |
| Share Growth (YoY) | 9.26% | 2.27% | 1.24% | 4.54% | -9.52% | -1,878 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 9.26% | 8.76% | 10.36% | 10.28% | 15.47% | +621 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.28% | 3.92% | 4.00% | 7.14% | 9.12% | +484 bps | |
| Capital | |||||||
| Risk-Based Capital | 3.91% | 3.66% | 3.75% | -2.07% | -1.28% | -520 bps | |
| Net Worth / Assets | 3.91% | 3.66% | 3.75% | -2.07% | -1.28% | -520 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 95.37% | 104.03% | 103.83% | 94.26% | 100.67% | +530 bps | |
| Liquid Assets / Assets | 5.97% | 0.00% | 0.00% | 0.00% | 0.00% | -597 bps | |