Kansas City, MO · Charter 64196
NCUA · 2 branches
Q1 2025
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2025, the quarter ended March 31, 2025, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in the Kansas City, MO-KS area (n=30). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
0
Asset Quality
77
Profitability
8
Liquidity
0
Efficiency
7
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Kansas City, MO · Charter 64196
NCUA · 2 branches
Q1 2025
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 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.23% | -1.56% | -1.38% | -1.38% | -0.95% | +28 bps | |
| Return on Equity | -15.93% | -20.49% | -18.74% | -18.39% | -13.96% | +196 bps | |
| Net Interest Margin | 2.16% | 2.12% | 2.20% | 2.39% | 2.78% | +62 bps | |
| Efficiency Ratio | 136.91% | 140.25% | 141.18% | 135.19% | 120.31% | -1,660 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -6.08% | -8.83% | -8.04% | -12.78% | -4.34% | +174 bps | |
| Loan Growth (YoY) | -6.96% | -11.59% | -14.15% | -11.42% | -12.56% | -560 bps | |
| Share Growth (YoY) | -8.05% | -8.62% | -7.80% | -7.46% | -2.35% | +570 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.28% | 2.30% | 2.34% | 1.83% | 0.34% | -193 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.73% | 7.62% | 7.38% | 7.50% | 6.78% | -95 bps | |
| Net Worth / Assets | 7.73% | 7.62% | 7.38% | 7.50% | 6.78% | -95 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 34.12% | 33.59% | 33.17% | 34.30% | 30.55% | -357 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Kansas City, MO · Charter 64196 · Peer group: credit unions under $1B in assets in the Kansas City, MO-KS area (n=30)
NCUA · 2 branches
Q1 2025
Return on Assets
-0.94%
Rank 28 of 30
Net Interest Margin
2.78%
Rank 26 of 30
Efficiency Ratio
120.53%
Rank 29 of 30
Equity / Assets
6.78%
Rank 30 of 30
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.94% | 0.16% | 0.62% | 0.88% | Beats 7% | 28 / 30 | |
| Return on Equity | -13.90% | 1.42% | 4.54% | 7.28% | Beats 3% | 29 / 30 | |
| Net Interest Margin | 2.78% | 3.08% | 4.13% | 4.58% | Beats 13% | 26 / 30 | |
| Efficiency Ratio | 120.53% | 71.05% | 79.58% | 88.56% | Beats 7% | 29 / 30 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.34% | 0.34% | 0.71% | 1.30% | Beats 77% | 8 / 30 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 6.78% | 9.04% | 11.79% | 16.26% | Beats 0% | 30 / 30 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 6.78% | 9.04% | 11.79% | 16.26% | Beats 0% | 30 / 30 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 30.55% | 45.60% | 63.58% | 81.85% | 7th pctl | 28 / 30 | |
| Loans / Assets | 30.05% | 41.35% | 55.72% | 66.95% | 7th pctl | 28 / 30 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||