Leavenworth, KS · Charter 63209
NCUA · 3 branches
Q3 2018
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.82% | -0.97% | -1.06% | -1.70% | -1.48% | -1.92% | -1.16% | -0.78% | +92 bps | |
| Return on Equity | -9.41% | -11.48% | -12.59% | -21.04% | -18.93% | -26.22% | -15.72% | -10.07% | +1,097 bps | |
| Net Interest Margin | 2.75% | 2.75% | 2.93% | 3.07% | 3.02% | 3.00% | 3.13% | 3.43% | +36 bps | |
| Efficiency Ratio | 124.24% | 126.17% | 125.75% | 126.04% | 125.61% | 124.39% | 119.87% | 115.54% | -1,050 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.79% | -0.08% | -3.69% | -8.06% | -5.88% | -6.13% | -5.17% | -5.43% | +263 bps | |
| Loan Growth (YoY) | 8.33% | 12.72% | 10.39% | 9.41% | 4.45% | 6.04% | 3.23% | 15.09% | +568 bps | |
| Share Growth (YoY) | 1.73% | 0.74% | -3.15% | -7.95% | -5.38% | -5.35% | -4.33% | -4.85% | +310 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 1.02% | 1.75% | 0.03% | 0.00% | 0.00% | 0.00% | 0.11% | +8 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 | 0.20% | 0.14% | 0.25% | 0.40% | 0.39% | 0.89% | 0.81% | 0.54% | +14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.74% | 8.46% | 8.43% | 8.10% | 7.81% | 7.31% | 7.36% | 7.75% | -35 bps | |
| Net Worth / Assets | 8.74% | 8.46% | 8.43% | 8.10% | 7.81% | 7.31% | 7.36% | 7.75% | -35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.06% | 50.27% | 50.74% | 53.07% | 54.16% | 56.32% | 54.75% | 64.20% | +1,112 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |