PackageTrendsPeer
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Kansas City Community

Kansas City, KS · Charter 62700

Q2 1998

$2.7MAssets
$1.7MLoans
$2.5MShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 3.11%, down 64 bps year over year.
  • Asset quality: problem loans at 0.60% of loans (-35 bps YoY).
  • Funding: loans stand at 67.05% of shares as of Q2 1998.

Financial Results

Return on Assets (quarter, annualized)

3.11%-64 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998YoY ΔTrend
Earnings
Return on Assets3.75%3.90%3.24%3.54%3.11%-64 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)0.21%-2.41%-1.00%-7.86%-7.98%-819 bps
Loan Growth (YoY)4.47%-0.28%0.12%-1.13%-7.89%-1,236 bps
Share Growth (YoY)-1.20%-4.10%-2.50%-10.22%-10.40%-920 bps
Asset Quality
Delinquent Loans / Loans0.95%0.50%0.57%0.53%0.60%-35 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.20%1.27%1.16%0.79%0.60%-61 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares65.22%66.64%63.00%65.20%67.05%+183 bps
Liquid Assets / Assets22.48%17.62%27.53%24.33%26.62%+414 bps