Kansas City, MO · Charter 63469
NCUA · 1 branch
Q3 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2020, the quarter ended September 30, 2020, 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 63469
NCUA · 1 branch
Q3 2020
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 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.65% | 0.29% | -2.70% | -1.71% | -2.14% | 0.47% | -1.08% | -2.39% | -68 bps | |
| Return on Equity | -19.49% | 3.83% | -47.72% | -28.10% | -38.32% | 8.06% | -23.71% | -72.21% | -4,411 bps | |
| Net Interest Margin | 5.38% | 4.97% | 5.08% | 5.50% | 5.73% | 5.51% | 4.91% | 4.76% | -74 bps | |
| Efficiency Ratio | 103.56% | 89.19% | 90.51% | 89.12% | 98.75% | 92.44% | 92.69% | 94.19% | +506 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.60% | -5.94% | -6.39% | -5.56% | -5.77% | -16.31% | -3.00% | 1.28% | +683 bps | |
| Loan Growth (YoY) | -7.45% | -11.90% | -12.66% | -9.69% | -7.50% | -9.63% | -12.65% | -19.49% | -980 bps | |
| Share Growth (YoY) | -0.84% | 1.97% | -0.54% | -2.57% | -5.29% | -14.46% | -3.29% | 3.33% | +590 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 7.86% | 7.58% | 0.42% | 8.35% | 8.65% | 4.01% | 4.14% | 2.72% | -563 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 | 2.54% | 2.75% | 4.30% | 4.43% | 3.12% | 2.49% | 3.35% | 4.57% | +14 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.47% | 7.67% | 5.67% | 6.09% | 5.59% | 5.83% | 4.57% | 3.30% | -278 bps | |
| Net Worth / Assets | 8.47% | 7.67% | 5.67% | 6.09% | 5.59% | 5.83% | 4.57% | 3.30% | -278 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 64.01% | 56.52% | 57.30% | 61.49% | 62.52% | 59.71% | 51.76% | 47.91% | -1,358 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |