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Health Care Employees

Kansas City, KS · Charter 65220

Q4 2014

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2014, the quarter ended December 31, 2014, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Health Care Employees

Kansas City, KS · Charter 65220

Q4 2014

$2.9MAssets
$1.1MLoans
$2.7MShares
$154KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -7.60%, down 634 bps year over year; NIM at 2.90%.
  • Asset quality: problem loans at 3.72% of loans (-414 bps YoY).
  • Capital: net worth / assets of 5.28%, down 786 bps from a year ago.
  • Funding: loans stand at 41.52% of shares as of Q4 2014.

Financial Results

Return on Assets (YTD, annualized)

-7.60%-634 bps YoY

Net Interest Margin (YTD, annualized)

2.90%-91 bps YoY

Efficiency Ratio (YTD, annualized)

279%+14,941 bps YoY

Net Worth / Assets

5.28%-786 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014YoY ΔTrend
Earnings
Return on Assets-1.26%-1.70%-1.68%-1.80%-7.60%-634 bps
Return on Equity-9.61%-13.35%-14.00%-16.39%-144.01%-13,440 bps
Net Interest Margin3.81%3.23%3.05%2.80%2.90%-91 bps
Efficiency Ratio129.37%146.58%148.16%155.50%279%+14,941 bps
Growth
Asset Growth (YoY)-5.36%-8.15%-4.60%2.71%1.99%+735 bps
Loan Growth (YoY)-16.61%-18.41%-20.62%-15.77%-15.26%+135 bps
Share Growth (YoY)-4.78%-7.87%-3.53%5.23%7.12%+1,190 bps
Asset Quality
Delinquent Loans / Loans7.87%7.63%6.98%8.06%3.72%-414 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.09%1.21%1.35%1.14%5.27%+418 bps
Capital
Risk-Based Capital13.14%12.76%12.01%10.98%5.28%-786 bps
Net Worth / Assets13.14%12.76%12.01%10.98%5.28%-786 bps
Liquidity & Funding
Loans / Shares52.48%48.67%43.01%41.69%41.52%-1,097 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps