PackageTrendsPeer
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Health Midwest

Kansas City, MO · Charter 63782

Q2 2015

$16.2MAssets
$9.8MLoans
$14.4MShares
$1.8MNet 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 -3.47%, down 329 bps year over year; NIM at 3.46%.
  • Asset quality: problem loans at 0.64% of loans (-46 bps YoY).
  • Capital: net worth / assets of 10.89%, down 104 bps from a year ago.
  • Funding: loans stand at 68.45% of shares as of Q2 2015.

Financial Results

Return on Assets (YTD, annualized)

-3.47%-329 bps YoY

Net Interest Margin (YTD, annualized)

3.46%-34 bps YoY

Efficiency Ratio (YTD, annualized)

150.54%+5,736 bps YoY

Net Worth / Assets

10.89%-104 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2014Q3 2014Q4 2014Q1 2015Q2 2015YoY ΔTrend
Earnings
Return on Assets-0.19%-0.23%-0.16%-1.53%-3.47%-329 bps
Return on Equity-1.55%-1.92%-1.32%-12.50%-31.91%-3,035 bps
Net Interest Margin3.80%3.65%3.89%3.65%3.46%-34 bps
Efficiency Ratio93.18%96.86%98.83%113.78%150.54%+5,736 bps
Growth
Asset Growth (YoY)-1.48%0.99%-1.45%-7.85%-6.00%-452 bps
Loan Growth (YoY)-6.35%-9.51%-10.51%-8.09%-9.22%-287 bps
Share Growth (YoY)-0.96%1.73%-1.47%-8.23%-4.55%-359 bps
Asset Quality
Delinquent Loans / Loans1.10%1.74%1.71%1.31%0.64%-46 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.83%0.90%0.48%0.76%0.74%-9 bps
Capital
Risk-Based Capital11.93%12.07%12.37%12.25%10.89%-104 bps
Net Worth / Assets11.93%12.07%12.37%12.25%10.89%-104 bps
Liquidity & Funding
Loans / Shares71.97%69.76%70.47%70.47%68.45%-352 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps