Independence, MO · Charter 64668
NCUA · 1 branch
Q4 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2016, the quarter ended December 31, 2016, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Independence, MO · Charter 64668
NCUA · 1 branch
Q4 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 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.51% | -1.00% | -1.36% | -1.45% | -1.19% | -1.37% | -2.98% | -3.82% | -237 bps | |
| Return on Equity | -5.79% | -11.30% | -13.80% | -19.41% | -17.12% | -20.79% | -66.17% | -109.65% | -9,024 bps | |
| Net Interest Margin | 6.39% | 6.10% | 6.97% | 5.54% | 6.21% | 5.71% | 4.81% | 5.02% | -52 bps | |
| Efficiency Ratio | 107.80% | 115.94% | 119.11% | 122.44% | 119.03% | 123.79% | 137.14% | 156.64% | +3,420 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -11.16% | -6.21% | -15.70% | 5.85% | 3.28% | 7.15% | 35.30% | 2.30% | -355 bps | |
| Loan Growth (YoY) | -23.53% | -26.64% | 7.30% | 28.02% | 25.44% | 36.44% | 2.72% | -19.48% | -4,750 bps | |
| Share Growth (YoY) | -11.97% | -6.19% | -16.53% | 8.16% | 5.40% | 9.78% | 43.46% | 6.69% | -147 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 3.15% | 3.53% | 2.79% | 3.57% | 3.97% | 4.09% | 4.26% | 18.96% | +1,538 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 | 1.44% | 1.62% | 1.28% | 0.00% | 0.00% | 0.00% | 1.59% | 1.62% | +162 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.84% | 8.82% | 9.85% | 7.46% | 6.97% | 6.60% | 4.50% | 3.48% | -398 bps | |
| Net Worth / Assets | 8.84% | 8.82% | 9.85% | 7.46% | 6.97% | 6.60% | 4.50% | 3.48% | -398 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.24% | 54.85% | 81.49% | 81.30% | 70.50% | 68.18% | 58.35% | 61.36% | -1,994 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |