Kansas City, MO · Charter 61459
NCUA · 1 branch
Q2 2019
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.72% | -0.89% | 0.23% | -0.11% | -0.20% | -0.15% | -0.96% | -1.33% | -122 bps | |
| Return on Equity | -4.31% | -5.44% | 1.47% | -0.77% | -1.36% | -0.95% | -6.28% | -8.83% | -805 bps | |
| Net Interest Margin | 3.29% | 3.33% | 3.34% | 3.15% | 3.16% | 3.38% | 3.40% | 3.50% | +35 bps | |
| Efficiency Ratio | 110.54% | 112.83% | 97.90% | 99.35% | 97.28% | 96.19% | 103.73% | 111.56% | +1,222 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.65% | -5.38% | -4.43% | 2.89% | 11.33% | 5.14% | -1.08% | -7.29% | -1,018 bps | |
| Loan Growth (YoY) | 12.25% | 6.50% | 16.41% | 9.23% | 6.59% | 1.77% | -3.51% | 3.50% | -574 bps | |
| Share Growth (YoY) | -11.11% | -5.16% | -3.05% | 3.80% | 8.20% | 6.67% | -0.63% | -5.46% | -925 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.30% | 0.45% | 0.35% | 0.50% | 0.15% | 0.07% | 0.15% | 0.17% | -33 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | 0.95% | n/a | n/a | n/a |
| Allowance / Loans | 0.34% | 0.41% | 0.35% | 0.43% | 0.50% | 0.51% | 0.68% | 0.73% | +29 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.65% | 16.36% | 15.51% | 14.67% | 14.40% | 15.31% | 15.24% | 15.07% | +40 bps | |
| Net Worth / Assets | 16.65% | 16.36% | 15.51% | 14.67% | 14.40% | 15.31% | 15.24% | 15.07% | +40 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.78% | 77.19% | 76.19% | 72.78% | 73.67% | 73.64% | 73.98% | 79.67% | +689 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |