Kansas City, MO · Charter 64195
NCUA
Q1 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 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.01% | 0.03% | 0.09% | 0.34% | 0.34% | 0.28% | 0.28% | 0.03% | -31 bps | |
| Return on Equity | 0.05% | 0.12% | 0.33% | 1.34% | 1.25% | 1.09% | 1.02% | 0.12% | -122 bps | |
| Net Interest Margin | 1.22% | 1.26% | 1.41% | 1.57% | 1.57% | 1.42% | 1.46% | 1.09% | -47 bps | |
| Efficiency Ratio | 98.93% | 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 / Loans | 0.00% | 0.00% | 0.00% | 0.29% | 0.14% | 0.00% | 0.00% | 0.00% | -29 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 | 0.34% | 0.38% | 0.30% | 0.31% | 0.35% | 0.37% | 0.41% | 0.53% | +22 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 24.28% | 24.47% | 26.43% | 25.39% | 27.25% | 25.96% | 27.41% | 27.65% | +226 bps | |
| Net Worth / Assets | 24.28% | 24.47% | 26.43% | 25.39% | 27.25% | 25.96% | 27.41% | 27.65% | +226 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 38.52% | 34.58% | 48.82% | 45.06% | 43.11% | 38.57% | 37.50% | 29.24% | -1,582 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |