Kansas City, MO · Charter 61811
NCUA · 4 branches
Q2 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2016, the quarter ended June 30, 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, MO · Charter 61811
NCUA · 4 branches
Q2 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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.25% | 0.52% | 0.09% | -0.07% | 0.10% | 0.07% | 0.38% | -4.46% | -438 bps | |
| Return on Equity | 2.30% | 4.46% | 0.82% | -0.68% | 0.90% | 0.68% | 3.45% | -51.72% | -5,104 bps | |
| Net Interest Margin | 2.51% | 2.64% | 2.52% | 2.43% | 2.28% | 2.40% | 2.41% | 2.35% | -8 bps | |
| Efficiency Ratio | 91.69% | 87.99% | 101.43% | 97.23% | 94.96% | 95.23% | 88.54% | 189.04% | +9,182 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.51% | 1.40% | 1.58% | 4.97% | 4.09% | 8.28% | 3.78% | 1.97% | -300 bps | |
| Loan Growth (YoY) | 1.31% | 2.97% | 1.02% | -1.98% | 1.38% | 3.56% | 2.73% | -0.43% | +155 bps | |
| Share Growth (YoY) | 0.24% | 1.52% | 1.80% | 5.91% | 5.17% | 10.46% | 5.34% | 4.14% | -177 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.31% | 0.86% | 0.21% | 0.67% | 0.40% | 0.61% | 2.18% | 0.38% | -28 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 | 0.59% | 0.45% | 0.27% | 0.48% | 0.38% | 0.59% | 0.59% | 1.88% | +140 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.96% | 11.76% | 11.18% | 10.94% | 10.90% | 10.93% | 10.92% | 8.61% | -233 bps | |
| Net Worth / Assets | 10.96% | 11.76% | 11.18% | 10.94% | 10.90% | 10.93% | 10.92% | 8.61% | -233 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.95% | 42.33% | 39.14% | 38.69% | 39.47% | 39.68% | 38.17% | 36.99% | -170 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |