Kansas City, MO · Charter 62804
Q4 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1998, the quarter ended December 31, 1998, 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 62804
Q4 1998
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.14% | 4.48% | 5.27% | 5.83% | 4.57% | -57 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -4.66% | -7.35% | -13.13% | -17.03% | -23.97% | -1,931 bps | |
| Loan Growth (YoY) | 1.96% | -1.00% | -3.04% | -13.65% | -23.06% | -2,501 bps | |
| Share Growth (YoY) | -6.72% | -9.21% | -16.11% | -20.82% | -27.07% | -2,035 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.62% | 1.88% | 1.96% | 2.34% | 4.85% | +323 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.76% | 2.11% | 3.01% | 2.26% | 2.26% | +49 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.84% | 69.36% | 74.34% | 69.67% | 70.52% | +368 bps | |
| Liquid Assets / Assets | 20.39% | 22.63% | 8.60% | 16.79% | 13.61% | -677 bps | |