Kansas City, MO · Charter 64139
NCUA · 1 branch
Q2 2021
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 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.01% | 1.17% | 1.40% | 1.01% | 0.90% | 0.37% | 0.08% | -4.55% | -556 bps | |
| Return on Equity | 16.49% | 11.87% | 12.95% | 8.77% | 7.26% | 3.96% | 0.74% | -51.00% | -5,977 bps | |
| Net Interest Margin | 3.65% | 2.76% | 2.84% | 2.88% | 2.89% | 2.07% | 1.83% | -1.26% | -414 bps | |
| Efficiency Ratio | 52.73% | 63.69% | 55.70% | 68.39% | 72.23% | 87.90% | 96.56% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.29% | 0.82% | -3.44% | 3.85% | 5.13% | 10.64% | 6.00% | 2.18% | -167 bps | |
| Loan Growth (YoY) | -8.59% | -5.60% | -5.06% | -9.75% | -12.46% | -15.95% | -17.71% | -20.34% | -1,059 bps | |
| Share Growth (YoY) | -2.95% | -1.65% | -6.59% | 2.43% | 5.24% | 12.59% | 8.62% | 6.50% | +407 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.24% | 0.00% | 0.10% | 0.00% | 0.02% | 0.00% | 0.00% | 0.00% | 0 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 | 0.35% | 0.19% | 0.21% | 0.21% | 0.22% | 0.02% | 0.02% | 0.02% | -19 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.19% | 9.84% | 10.82% | 11.49% | 12.35% | 9.26% | 10.30% | 8.92% | -257 bps | |
| Net Worth / Assets | 12.19% | 9.84% | 10.82% | 11.49% | 12.35% | 9.26% | 10.30% | 8.92% | -257 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 85.43% | 65.81% | 67.45% | 68.73% | 71.06% | 49.13% | 51.10% | 51.41% | -1,732 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |