Kansas City, KS · Charter 60807
NCUA · 1 branch
Q4 2016
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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.25% | 0.23% | 0.23% | 0.09% | 0.08% | 0.04% | 0.10% | -0.10% | -20 bps | |
| Return on Equity | 1.59% | 1.45% | 1.52% | 0.60% | 0.49% | 0.26% | 0.66% | -0.65% | -125 bps | |
| Net Interest Margin | 2.78% | 2.78% | 2.74% | 2.69% | 2.76% | 2.76% | 2.80% | 2.77% | +8 bps | |
| Efficiency Ratio | 98.99% | 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 / Loans | 0.24% | 0.13% | 0.25% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.70% | 0.63% | 0.62% | 0.60% | 0.58% | 0.49% | 0.55% | 0.57% | -3 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.70% | 15.69% | 15.39% | 15.48% | 15.52% | 15.60% | 15.82% | 15.97% | +48 bps | |
| Net Worth / Assets | 15.70% | 15.69% | 15.39% | 15.48% | 15.52% | 15.60% | 15.82% | 15.97% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.85% | 48.32% | 47.98% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |