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Kennedy Space Center

Merritt Island, FL · Charter 15605

NCUA · 17 branches

Q2 2020

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 2020, the quarter ended June 30, 2020, 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

Kennedy Space Center

Merritt Island, FL · Charter 15605

NCUA · 17 branches

Q2 2020

$869.5MAssets
$556.7MLoans
$759.1MShares
$101.3MNet 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 0.05%, down 41 bps year over year; NIM at 3.50%.
  • Asset quality: problem loans at 0.08% of loans (-21 bps YoY).
  • Capital: net worth / assets of 11.66%, down 86 bps from a year ago.
  • Funding: loans stand at 73.33% of shares as of Q2 2020.

Financial Results

Return on Assets (YTD, annualized)

0.05%-41 bps YoY

Net Interest Margin (YTD, annualized)

3.50%-11 bps YoY

Efficiency Ratio (YTD, annualized)

90.29%+798 bps YoY

Net Worth / Assets

11.66%-86 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2019Q3 2019Q4 2019Q1 2020Q2 2020YoY ΔTrend
Earnings
Return on Assets0.46%0.57%0.50%-0.12%0.05%-41 bps
Return on Equity3.68%4.42%3.85%-0.96%0.39%-328 bps
Net Interest Margin3.62%3.73%3.76%3.80%3.50%-11 bps
Efficiency Ratio82.31%80.35%80.35%92.87%90.29%+798 bps
Growth
Asset Growth (YoY)0.83%0.74%1.92%2.10%9.88%+905 bps
Loan Growth (YoY)15.71%16.31%18.22%18.30%18.77%+306 bps
Share Growth (YoY)-0.77%-0.71%0.75%1.93%11.34%+1,211 bps
Asset Quality
Delinquent Loans / Loans0.29%0.34%0.39%0.32%0.08%-21 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.88%0.87%0.88%0.84%0.82%-6 bps
Capital
Risk-Based Capital12.52%12.87%12.91%12.52%11.66%-86 bps
Net Worth / Assets12.52%12.87%12.91%12.52%11.66%-86 bps
Liquidity & Funding
Loans / Shares68.74%72.96%76.51%76.05%73.33%+459 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps