Kansas City, MO · Charter 64711
Q1 2010
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 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.71% | -1.87% | -0.38% | -1.30% | -0.54% | +217 bps | |
| Return on Equity | -21.18% | -14.10% | -2.82% | -9.92% | -3.91% | +1,727 bps | |
| Net Interest Margin | 3.90% | 4.23% | 4.29% | 4.16% | 4.82% | +92 bps | |
| Efficiency Ratio | 117.66% | 118.71% | 89.50% | 110.70% | 110.54% | -712 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.02% | -1.66% | -2.85% | -5.65% | -12.76% | -1,579 bps | |
| Loan Growth (YoY) | -19.52% | -18.95% | -19.73% | -11.68% | -6.22% | +1,331 bps | |
| Share Growth (YoY) | 4.65% | -0.70% | -2.44% | -5.25% | -13.77% | -1,842 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 6.23% | 1.35% | 12.08% | 16.58% | 7.46% | +123 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.07% | 1.07% | 1.05% | 1.10% | 1.14% | +7 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.82% | 13.27% | 13.55% | 13.08% | 13.94% | +112 bps | |
| Net Worth / Assets | 12.82% | 13.27% | 13.55% | 13.08% | 13.94% | +112 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 82.80% | 87.80% | 90.77% | 85.40% | 90.06% | +726 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |