PackageTrendsPeer
Letter portraitLegal landscape

Kilowatt

Jefferson City, MO · Charter 67727

NCUA · 1 branch

Q1 2018

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: Q1 2018, the quarter ended March 31, 2018, 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

Kilowatt

Jefferson City, MO · Charter 67727

NCUA · 1 branch

Q1 2018

$7.0MAssets
$4.5MLoans
$6.5MShares
$431KNet 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 -2.77%, down 203 bps year over year; NIM at 3.86%.
  • Asset quality: problem loans at 0.12% of loans (-116 bps YoY).
  • Capital: net worth / assets of 6.17%, down 90 bps from a year ago.
  • Funding: loans stand at 69.37% of shares as of Q1 2018.

Financial Results

Return on Assets (YTD, annualized)

-2.77%-203 bps YoY

Net Interest Margin (YTD, annualized)

3.86%-13 bps YoY

Efficiency Ratio (YTD, annualized)

147.82%+5,373 bps YoY

Net Worth / Assets

6.17%-90 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2017Q2 2017Q3 2017Q4 2017Q1 2018YoY ΔTrend
Earnings
Return on Assets-0.74%-0.47%-0.34%-0.63%-2.77%-203 bps
Return on Equity-10.42%-6.86%-4.97%-9.47%-44.92%-3,450 bps
Net Interest Margin4.00%3.91%3.88%3.94%3.86%-13 bps
Efficiency Ratio94.09%95.44%97.37%98.24%147.82%+5,373 bps
Growth
Asset Growth (YoY)0.54%-0.13%4.43%6.58%-3.39%-393 bps
Loan Growth (YoY)-9.61%-10.29%-10.73%-10.38%-11.44%-183 bps
Share Growth (YoY)2.30%0.84%6.13%7.41%-2.36%-465 bps
Asset Quality
Delinquent Loans / Loans1.28%1.06%0.87%1.62%0.12%-116 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.60%0.74%0.48%0.43%0.26%-34 bps
Capital
Risk-Based Capital7.07%6.91%6.88%6.64%6.17%-90 bps
Net Worth / Assets7.07%6.91%6.88%6.64%6.17%-90 bps
Liquidity & Funding
Loans / Shares76.49%73.96%73.14%72.26%69.37%-712 bps
Liquid Assets / Assets0.00%98.13%0.00%0.00%0.00%0 bps