Kansas City, KS · Charter 60807
NCUA · 1 branch
Q4 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2016, the quarter ended December 31, 2016, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Kansas City, KS · Charter 60807
NCUA · 1 branch
Q4 2016
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 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.09% | 0.08% | 0.04% | 0.10% | -0.10% | -20 bps | |
| Return on Equity | 0.60% | 0.49% | 0.26% | 0.66% | -0.65% | -125 bps | |
| Net Interest Margin | 2.69% | 2.76% | 2.76% | 2.80% | 2.77% | +8 bps | |
| Efficiency Ratio | 97.78% | 99.38% | 98.10% | 95.63% | 103.13% | +535 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.97% | 1.49% | 0.60% | -2.79% | -3.65% | -562 bps | |
| Loan Growth (YoY) | 4.46% | 1.44% | -4.65% | -7.35% | -9.49% | -1,395 bps | |
| Share Growth (YoY) | 2.10% | 1.67% | 0.63% | -3.38% | -4.20% | -630 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.21% | 0.25% | 0.67% | 0.79% | 0.93% | +72 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.60% | 0.58% | 0.49% | 0.55% | 0.57% | -3 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.48% | 15.52% | 15.60% | 15.82% | 15.97% | +48 bps | |
| Net Worth / Assets | 15.48% | 15.52% | 15.60% | 15.82% | 15.97% | +48 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 47.82% | 46.75% | 45.78% | 46.01% | 45.18% | -264 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |