Kansas City, MO · Charter 63997
NCUA · 1 branch
Q3 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2016, the quarter ended September 30, 2016, 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 63997
NCUA · 1 branch
Q3 2016
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 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.37% | 0.62% | 0.82% | 0.48% | 0.31% | -0.21% | -0.90% | -6.65% | -713 bps | |
| Return on Equity | 2.80% | 5.27% | 6.27% | 3.69% | 2.16% | -1.52% | -6.97% | -75.07% | -7,876 bps | |
| Net Interest Margin | 3.21% | 2.73% | 3.01% | 3.04% | 3.33% | 3.34% | 3.16% | 3.28% | +23 bps | |
| Efficiency Ratio | 82.43% | 105.80% | 103.87% | 102.98% | 102.92% | 108.38% | 109.57% | 231% | +12,832 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.82% | -5.62% | -6.29% | -1.53% | -8.57% | -12.31% | -3.16% | -6.35% | -481 bps | |
| Loan Growth (YoY) | -16.00% | -15.22% | -15.35% | -18.15% | -14.11% | -9.83% | -7.69% | 1.83% | +1,998 bps | |
| Share Growth (YoY) | -9.25% | -6.56% | -7.48% | -2.12% | -9.80% | -14.19% | -2.97% | -5.97% | -385 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.77% | 1.27% | 0.71% | 1.04% | 1.46% | 1.82% | 1.53% | 2.57% | +153 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 | 1.54% | 1.72% | 0.79% | 0.95% | 1.02% | 0.94% | 1.44% | 2.70% | +175 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.16% | 11.79% | 13.08% | 13.05% | 14.16% | 13.51% | 12.93% | 8.86% | -419 bps | |
| Net Worth / Assets | 13.16% | 11.79% | 13.08% | 13.05% | 14.16% | 13.51% | 12.93% | 8.86% | -419 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.13% | 36.93% | 39.21% | 36.86% | 41.07% | 38.80% | 37.30% | 39.92% | +306 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |