PackageTrendsPeer
Letter portraitLegal landscape

Kokomo Heritage

Kokomo, IN · Charter 13187

NCUA · 1 branch

Q3 2019

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: Q3 2019, the quarter ended September 30, 2019, 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

Kokomo Heritage

Kokomo, IN · Charter 13187

NCUA · 1 branch

Q3 2019

$8.4MAssets
$6.5MLoans
$7.6MShares
$676KNet 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 -4.73%, down 193 bps year over year; NIM at 4.50%.
  • Asset quality: problem loans at 1.88% of loans (-159 bps YoY).
  • Capital: net worth / assets of 8.08%, down 210 bps from a year ago.
  • Funding: loans stand at 85.17% of shares as of Q3 2019.

Financial Results

Return on Assets (YTD, annualized)

-4.73%-193 bps YoY

Net Interest Margin (YTD, annualized)

4.50%+55 bps YoY

Efficiency Ratio (YTD, annualized)

144.02%+4,120 bps YoY

Net Worth / Assets

8.08%-210 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2018Q4 2018Q1 2019Q2 2019Q3 2019YoY ΔTrend
Earnings
Return on Assets-2.80%-2.29%-1.15%-0.63%-4.73%-193 bps
Return on Equity-27.52%-21.37%-11.02%-6.05%-58.61%-3,109 bps
Net Interest Margin3.95%4.10%4.11%4.06%4.50%+55 bps
Efficiency Ratio102.82%101.62%103.38%97.73%144.02%+4,120 bps
Growth
Asset Growth (YoY)-7.86%-9.22%-13.93%-11.10%-13.02%-516 bps
Loan Growth (YoY)-15.82%-14.81%-10.14%-5.37%-9.94%+588 bps
Share Growth (YoY)-6.61%-8.38%-14.12%-11.38%-12.03%-542 bps
Asset Quality
Delinquent Loans / Loans3.47%3.84%2.51%2.99%1.88%-159 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.31%1.47%1.45%1.40%1.55%+24 bps
Capital
Risk-Based Capital10.17%10.70%10.47%10.46%8.08%-210 bps
Net Worth / Assets10.17%10.70%10.47%10.46%8.08%-210 bps
Liquidity & Funding
Loans / Shares83.19%85.90%85.22%86.78%85.17%+198 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps