PackageTrendsPeer
Letter portraitLegal landscape

Area

Kansas City, KS · Charter 60807

NCUA · 1 branch

Q4 2016

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: 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.

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

Area

Kansas City, KS · Charter 60807

NCUA · 1 branch

Q4 2016

$6.8MAssets
$2.6MLoans
$5.7MShares
$1.1MNet Worth

Executive Summary

  • Earnings: ROA of -0.10%, down 20 bps year over year; NIM at 2.77%.
  • Asset quality: problem loans at 0.93% of loans (+72 bps YoY).
  • Capital: net worth / assets of 15.97%, up 48 bps from a year ago.
  • Funding: loans stand at 45.18% of shares as of Q4 2016.

Return on Assets (YTD, annualized)

-0.10%-20 bps YoY

Net Interest Margin (YTD, annualized)

2.77%+8 bps YoY

Efficiency Ratio (YTD, annualized)

103.13%+535 bps YoY

Net Worth / Assets

15.97%+48 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2015Q2 2015Q3 2015Q4 2015Q1 2016Q2 2016Q3 2016Q4 2016YoY ΔTrend
Earnings
Return on Assets0.25%0.23%0.23%0.09%0.08%0.04%0.10%-0.10%-20 bps
Return on Equity1.59%1.45%1.52%0.60%0.49%0.26%0.66%-0.65%-125 bps
Net Interest Margin2.78%2.78%2.74%2.69%2.76%2.76%2.80%2.77%+8 bps
Efficiency Ratio98.99%96.10%94.53%97.78%99.38%98.10%95.63%103.13%+535 bps
Growth
Asset Growth (YoY)-4.02%-2.89%-0.26%1.97%1.49%0.60%-2.79%-3.65%-562 bps
Loan Growth (YoY)-1.66%4.14%8.06%4.46%1.44%-4.65%-7.35%-9.49%-1,395 bps
Share Growth (YoY)-5.03%-3.78%-0.62%2.10%1.67%0.63%-3.38%-4.20%-630 bps
Asset Quality
Delinquent Loans / Loans0.24%0.13%0.25%0.21%0.25%0.67%0.79%0.93%+72 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.70%0.63%0.62%0.60%0.58%0.49%0.55%0.57%-3 bps
Capital
Risk-Based Capital15.70%15.69%15.39%15.48%15.52%15.60%15.82%15.97%+48 bps
Net Worth / Assets15.70%15.69%15.39%15.48%15.52%15.60%15.82%15.97%+48 bps
Liquidity & Funding
Loans / Shares46.85%48.32%47.98%47.82%46.75%45.78%46.01%45.18%-264 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps