Kansas City, MO · Charter 63997
NCUA · 1 branch
Q3 2016
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.48% | 0.31% | -0.21% | -0.90% | -6.65% | -713 bps | |
| Return on Equity | 3.69% | 2.16% | -1.52% | -6.97% | -75.07% | -7,876 bps | |
| Net Interest Margin | 3.04% | 3.33% | 3.34% | 3.16% | 3.28% | +23 bps | |
| Efficiency Ratio | 102.98% | 102.92% | 108.38% | 109.57% | 231% | +12,832 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.53% | -8.57% | -12.31% | -3.16% | -6.35% | -481 bps | |
| Loan Growth (YoY) | -18.15% | -14.11% | -9.83% | -7.69% | 1.83% | +1,998 bps | |
| Share Growth (YoY) | -2.12% | -9.80% | -14.19% | -2.97% | -5.97% | -385 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.95% | 1.02% | 0.94% | 1.44% | 2.70% | +175 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.05% | 14.16% | 13.51% | 12.93% | 8.86% | -419 bps | |
| Net Worth / Assets | 13.05% | 14.16% | 13.51% | 12.93% | 8.86% | -419 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |