Kansas City, MO · Charter 67664
NCUA · 39 branches
Q3 2025
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.70% | 0.73% | 0.57% | 0.56% | 0.71% | 0.16% | 0.80% | 0.91% | +35 bps | |
| Return on Equity | 6.89% | 7.85% | 6.10% | 5.91% | 6.86% | 1.59% | 7.86% | 8.80% | +289 bps | |
| Net Interest Margin | 3.11% | 2.88% | 2.90% | 2.94% | 3.23% | 3.36% | 3.43% | 3.48% | +54 bps | |
| Efficiency Ratio | 81.61% | 80.26% | 82.41% | 81.76% | 79.66% | 86.83% | 79.03% | 77.50% | -426 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.74% | 11.71% | 15.12% | 16.16% | 6.20% | 0.42% | 0.33% | 0.34% | -1,581 bps | |
| Loan Growth (YoY) | 9.22% | 8.43% | 8.69% | 7.27% | 8.26% | 9.90% | 9.60% | 11.32% | +405 bps | |
| Share Growth (YoY) | -3.52% | 1.50% | 5.09% | 6.58% | 7.99% | 13.22% | 12.74% | 12.48% | +590 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.02% | 1.05% | 0.92% | 0.58% | 0.64% | 0.71% | 0.66% | 0.89% | +32 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 | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.15% | 9.32% | 9.33% | 9.42% | 10.28% | 9.90% | 10.16% | 10.34% | +92 bps | |
| Net Worth / Assets | 10.15% | 9.32% | 9.33% | 9.42% | 10.28% | 9.90% | 10.16% | 10.34% | +92 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 80.26% | 78.10% | 78.63% | 79.01% | 80.46% | 75.80% | 76.44% | 78.20% | -81 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |