Kansas City, KS · Charter 65220
Q4 2014
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Kansas City, KS · Charter 65220
Q4 2014
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 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 3.81% | 3.23% | 3.05% | 2.80% | 2.90% | -91 bps | |
| Efficiency Ratio | 129.37% | 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 / Loans | 7.87% | 7.63% | 6.98% | 8.06% | 3.72% | -414 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.09% | 1.21% | 1.35% | 1.14% | 5.27% | +418 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.14% | 12.76% | 12.01% | 10.98% | 5.28% | -786 bps | |
| Net Worth / Assets | 13.14% | 12.76% | 12.01% | 10.98% | 5.28% | -786 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 52.48% | 48.67% | 43.01% | 41.69% | 41.52% | -1,097 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |