Kansas City, MO · Charter 64196
NCUA · 2 branches
Q1 2025
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 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.09% | -0.21% | -0.38% | -1.23% | -1.56% | -1.38% | -1.38% | -0.95% | +28 bps | |
| Return on Equity | -1.14% | -2.61% | -4.85% | -15.93% | -20.49% | -18.74% | -18.39% | -13.96% | +196 bps | |
| Net Interest Margin | 2.40% | 2.40% | 2.33% | 2.16% | 2.12% | 2.20% | 2.39% | 2.78% | +62 bps | |
| Efficiency Ratio | 102.50% | 105.50% | 109.71% | 136.91% | 140.25% | 141.18% | 135.19% | 120.31% | -1,660 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.60% | -7.29% | -3.84% | -6.08% | -8.83% | -8.04% | -12.78% | -4.34% | +174 bps | |
| Loan Growth (YoY) | 8.26% | 3.18% | -0.35% | -6.96% | -11.59% | -14.15% | -11.42% | -12.56% | -560 bps | |
| Share Growth (YoY) | -6.19% | -10.23% | -9.83% | -8.05% | -8.62% | -7.80% | -7.46% | -2.35% | +570 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.51% | 0.30% | 0.58% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.91% | 8.07% | 7.84% | 7.73% | 7.62% | 7.38% | 7.50% | 6.78% | -95 bps | |
| Net Worth / Assets | 7.91% | 8.07% | 7.84% | 7.73% | 7.62% | 7.38% | 7.50% | 6.78% | -95 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 34.72% | 35.62% | 35.83% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |