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Uhs

Kansas City, MO · Charter 64195

NCUA

Q1 2016

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2016, the quarter ended March 31, 2016, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Uhs

Kansas City, MO · Charter 64195

NCUA

Q1 2016

$449KAssets
$95KLoans
$324KShares
$124KNet Worth

Executive Summary

  • Earnings: ROA of 0.03%, down 31 bps year over year; NIM at 1.09%.
  • Asset quality: problem loans at 0.00% of loans (-29 bps YoY).
  • Capital: net worth / assets of 27.65%, up 226 bps from a year ago.
  • Funding: loans stand at 29.24% of shares as of Q1 2016.

Return on Assets (YTD, annualized)

0.03%-31 bps YoY

Net Interest Margin (YTD, annualized)

1.09%-47 bps YoY

Efficiency Ratio (YTD, annualized)

96.91%+1,865 bps YoY

Net Worth / Assets

27.65%+226 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2014Q3 2014Q4 2014Q1 2015Q2 2015Q3 2015Q4 2015Q1 2016YoY ΔTrend
Earnings
Return on Assets0.01%0.03%0.09%0.34%0.34%0.28%0.28%0.03%-31 bps
Return on Equity0.05%0.12%0.33%1.34%1.25%1.09%1.02%0.12%-122 bps
Net Interest Margin1.22%1.26%1.41%1.57%1.57%1.42%1.46%1.09%-47 bps
Efficiency Ratio98.93%97.69%93.85%78.26%78.33%80.13%80.81%96.91%+1,865 bps
Growth
Asset Growth (YoY)-5.94%-10.42%-4.69%-7.63%-10.07%-4.74%-2.56%-7.51%+12 bps
Loan Growth (YoY)1.29%-17.90%13.04%24.77%-3.28%4.00%-26.29%-41.79%-6,656 bps
Share Growth (YoY)-7.72%-13.31%-6.31%-10.20%-13.57%-6.75%-4.05%-10.31%-10 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.29%0.14%0.00%0.00%0.00%-29 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.34%0.38%0.30%0.31%0.35%0.37%0.41%0.53%+22 bps
Capital
Risk-Based Capital24.28%24.47%26.43%25.39%27.25%25.96%27.41%27.65%+226 bps
Net Worth / Assets24.28%24.47%26.43%25.39%27.25%25.96%27.41%27.65%+226 bps
Liquidity & Funding
Loans / Shares38.52%34.58%48.82%45.06%43.11%38.57%37.50%29.24%-1,582 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps