Kansas City, MO · Charter 63333
NCUA · 1 branch
Q3 2022
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 2020 | Q1 2021 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.18% | -1.48% | -0.92% | -0.74% | -0.71% | -2.17% | -1.10% | -3.82% | -309 bps | |
| Return on Equity | -16.73% | -23.35% | -15.13% | -12.08% | -11.79% | -40.66% | -21.17% | -126.54% | -11,446 bps | |
| Net Interest Margin | 2.68% | 1.98% | 2.08% | 2.12% | 2.14% | 1.96% | 1.83% | 2.04% | -8 bps | |
| Efficiency Ratio | 114.65% | 170.21% | 130.22% | 126.36% | 123.42% | 160.24% | 146.99% | 235% | +10,844 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.17% | 3.72% | -4.69% | 1.83% | 3.89% | -0.48% | 1.67% | 0.99% | -84 bps | |
| Loan Growth (YoY) | -5.79% | -10.34% | 25.60% | 13.65% | -2.43% | -11.14% | -27.46% | -19.66% | -3,331 bps | |
| Share Growth (YoY) | 8.01% | 5.22% | -2.49% | 2.08% | 5.14% | 1.09% | 2.32% | 2.63% | +55 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.17% | 0.07% | 0.13% | 0.05% | 0.23% | 0.03% | 0.15% | 0.11% | +7 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 | 0.77% | 0.78% | 0.69% | 0.61% | 0.69% | 0.93% | 0.23% | 0.34% | -27 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.03% | 6.33% | 6.08% | 6.10% | 6.05% | 5.34% | 5.21% | 3.02% | -307 bps | |
| Net Worth / Assets | 7.03% | 6.33% | 6.08% | 6.10% | 6.05% | 5.34% | 5.21% | 3.02% | -307 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.03% | 43.77% | 53.79% | 49.62% | 45.50% | 38.48% | 38.14% | 38.84% | -1,078 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |