Kansas City, MO · Charter 64802
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 | 0.09% | -1.78% | -1.75% | -2.59% | -13.06% | -1,315 bps | |
| Return on Equity | 0.61% | -13.35% | -12.87% | -19.85% | -133.65% | -13,427 bps | |
| Net Interest Margin | 2.57% | 2.41% | 2.91% | 2.86% | 2.43% | -14 bps | |
| Efficiency Ratio | 96.62% | 69.18% | 107.35% | 121.31% | 592% | +49,546 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.42% | 0.08% | -2.71% | -5.77% | -9.52% | -1,094 bps | |
| Loan Growth (YoY) | -0.60% | -21.30% | -21.94% | -21.64% | -29.68% | -2,908 bps | |
| Share Growth (YoY) | 3.43% | 2.05% | -0.94% | -2.82% | -4.05% | -748 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 11.73% | 12.84% | 13.90% | 16.66% | 18.30% | +657 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.81% | 6.30% | 6.69% | 8.81% | 6.13% | +232 bps | |
| Capital | |||||||
| Risk-Based Capital | 14.16% | 13.37% | 13.57% | 13.04% | 9.77% | -439 bps | |
| Net Worth / Assets | 14.16% | 13.37% | 13.57% | 13.04% | 9.77% | -439 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.59% | 45.21% | 44.37% | 44.25% | 37.08% | -1,351 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |