Kansas City, KS · Charter 6779
NCUA · 1 branch
Q2 2022
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2022, the quarter ended June 30, 2022, 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 6779
NCUA · 1 branch
Q2 2022
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 | Q2 2021 | Q3 2021 | Q4 2021 | Q1 2022 | Q2 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.11% | -1.07% | -1.26% | -2.09% | -1.98% | -87 bps | |
| Return on Equity | -13.78% | -13.42% | -16.40% | -29.53% | -29.77% | -1,600 bps | |
| Net Interest Margin | 1.82% | 1.87% | 1.80% | 1.66% | 1.60% | -22 bps | |
| Efficiency Ratio | 151.59% | 148.01% | 157.15% | 171.20% | 185.61% | +3,402 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 7.51% | 5.53% | -2.50% | -5.45% | -3.19% | -1,070 bps | |
| Loan Growth (YoY) | -19.57% | -23.47% | -27.79% | -26.38% | -20.88% | -131 bps | |
| Share Growth (YoY) | 9.02% | 7.22% | -1.23% | -4.22% | -1.53% | -1,055 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 8.51% | 13.01% | 8.32% | 7.64% | 7.91% | -59 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.23% | 1.33% | 0.31% | 1.16% | 1.28% | +5 bps | |
| Capital | |||||||
| Risk-Based Capital | 8.07% | 7.99% | 7.67% | 7.07% | 6.67% | -141 bps | |
| Net Worth / Assets | 8.07% | 7.99% | 7.67% | 7.07% | 6.67% | -141 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 25.86% | 24.58% | 23.44% | 22.00% | 20.78% | -508 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |