Kansas City, MO · Charter 63998
NCUA · 2 branches
Q3 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2017, the quarter ended September 30, 2017, 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 63998
NCUA · 2 branches
Q3 2017
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 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.09% | -0.36% | -0.18% | -0.15% | -0.16% | -0.50% | -0.56% | -1.07% | -92 bps | |
| Return on Equity | 1.08% | -4.51% | -2.53% | -2.12% | -2.37% | -7.31% | -8.68% | -18.00% | -1,588 bps | |
| Net Interest Margin | 4.05% | 3.86% | 3.52% | 3.50% | 3.22% | 3.21% | 3.19% | 3.09% | -41 bps | |
| Efficiency Ratio | 97.99% | 108.88% | 104.86% | 104.03% | 104.53% | 102.45% | 109.56% | 127.29% | +2,326 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.11% | 2.37% | 8.40% | 7.57% | 19.78% | 12.77% | 6.99% | 5.76% | -181 bps | |
| Loan Growth (YoY) | -0.60% | -3.75% | 1.45% | -7.53% | -13.09% | -7.14% | -13.98% | -15.14% | -761 bps | |
| Share Growth (YoY) | 1.95% | 2.53% | 6.69% | 8.18% | 22.13% | 14.20% | 10.43% | 7.40% | -78 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.22% | 1.46% | 1.24% | 1.81% | 4.75% | 1.06% | 1.11% | 0.48% | -132 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 | 1.38% | 1.39% | 1.38% | 1.47% | 0.92% | 1.05% | 1.13% | 0.56% | -91 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.14% | 7.88% | 7.18% | 7.17% | 6.64% | 6.78% | 6.40% | 5.95% | -122 bps | |
| Net Worth / Assets | 8.14% | 7.88% | 7.18% | 7.17% | 6.64% | 6.78% | 6.40% | 5.95% | -122 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.55% | 79.58% | 75.39% | 68.91% | 58.74% | 64.71% | 58.73% | 54.45% | -1,447 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |