Kansas City, KS · Charter 61770
Q3 2010
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.12% | 0.05% | -0.35% | -0.05% | -0.42% | -31 bps | |
| Return on Equity | -1.30% | 0.54% | -3.75% | -0.55% | -4.62% | -332 bps | |
| Net Interest Margin | 3.78% | 3.92% | 4.02% | 3.67% | 3.94% | +16 bps | |
| Efficiency Ratio | 79.96% | 81.93% | 90.17% | 93.59% | 99.46% | +1,950 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.18% | -1.90% | 0.42% | -0.94% | -8.82% | -864 bps | |
| Loan Growth (YoY) | 2.33% | -0.92% | 3.90% | 3.42% | -2.52% | -485 bps | |
| Share Growth (YoY) | 0.30% | -3.05% | 0.66% | -0.99% | -9.36% | -967 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.24% | 1.98% | 1.94% | 0.88% | 0.85% | -40 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.27% | 1.25% | 1.32% | 1.21% | 1.18% | -9 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.87% | 9.28% | 9.25% | 8.88% | 9.12% | +25 bps | |
| Net Worth / Assets | 8.87% | 9.28% | 9.25% | 8.88% | 9.12% | +25 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 59.41% | 60.17% | 63.00% | 60.16% | 63.89% | +448 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |