PackageTrendsPeer
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Kyang

Louisville, KY · Charter 10507

NCUA · 1 branch

Q1 2017

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: Q1 2017, the quarter ended March 31, 2017, 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

Kyang

Louisville, KY · Charter 10507

NCUA · 1 branch

Q1 2017

$10.4MAssets
$3.5MLoans
$10.1MShares
$307KNet Worth

Executive Summary

  • Earnings: ROA of -14.94%, down 1,520 bps year over year; NIM at -0.05%.
  • Asset quality: problem loans at 0.13% of loans (+13 bps YoY).
  • Capital: net worth / assets of 2.96%, down 454 bps from a year ago.
  • Funding: loans stand at 34.28% of shares as of Q1 2017.

Return on Assets (YTD, annualized)

-14.94%-1,520 bps YoY

Net Interest Margin (YTD, annualized)

-0.05%-282 bps YoY

Efficiency Ratio (YTD, annualized)

1682%+158,335 bps YoY

Net Worth / Assets

2.96%-454 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2015Q3 2015Q4 2015Q1 2016Q2 2016Q3 2016Q4 2016Q1 2017YoY ΔTrend
Earnings
Return on Assets0.71%0.65%0.48%0.26%0.06%-0.01%-0.06%-14.94%-1,520 bps
Return on Equity9.49%8.35%6.31%3.43%0.81%-0.20%-0.86%-505%-50,840 bps
Net Interest Margin2.81%2.90%2.84%2.77%2.72%2.62%2.56%-0.05%-282 bps
Efficiency Ratio89.08%89.57%93.11%99.07%104.08%103.89%103.49%1682%+158,335 bps
Growth
Asset Growth (YoY)-4.74%-5.52%-1.16%0.25%6.86%12.57%13.98%4.85%+460 bps
Loan Growth (YoY)-4.24%-6.67%-2.74%-3.84%-4.47%-3.24%-6.06%-8.76%-492 bps
Share Growth (YoY)-5.65%-6.50%-1.78%-0.10%6.93%13.65%15.22%10.09%+1,019 bps
Asset Quality
Delinquent Loans / Loans0.01%0.01%0.00%0.00%0.00%0.26%0.21%0.13%+13 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.85%0.85%0.75%0.69%0.60%0.59%0.57%0.57%-13 bps
Capital
Risk-Based Capital7.51%7.83%7.62%7.50%7.18%6.96%6.63%2.96%-454 bps
Net Worth / Assets7.51%7.83%7.62%7.50%7.18%6.96%6.63%2.96%-454 bps
Liquidity & Funding
Loans / Shares44.39%44.69%43.95%41.36%39.66%38.04%35.83%34.28%-708 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps