Kansas City, MO · Charter 67929
NCUA · 2 branches
Q2 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2024, the quarter ended June 30, 2024, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,748 to 1,753). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
22
Asset Quality
2
Profitability
25
Liquidity
84
Efficiency
2
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Kansas City, MO · Charter 67929
NCUA · 2 branches
Q2 2024
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 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.48% | 0.17% | 0.25% | 0.54% | -2.62% | -310 bps | |
| Return on Equity | 4.69% | 1.61% | 2.38% | 5.03% | -27.11% | -3,180 bps | |
| Net Interest Margin | 3.43% | 3.28% | 3.42% | 3.81% | 4.08% | +64 bps | |
| Efficiency Ratio | 86.25% | 94.24% | 91.52% | 84.35% | 150.78% | +6,453 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.93% | -4.15% | -4.53% | -4.12% | -6.45% | -52 bps | |
| Loan Growth (YoY) | 7.57% | 10.36% | 7.78% | 3.16% | -0.81% | -838 bps | |
| Share Growth (YoY) | -7.10% | -5.49% | -5.61% | -5.26% | -5.49% | +161 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.74% | 1.39% | 2.70% | 1.70% | 6.23% | +449 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 10.31% | 10.34% | 10.58% | 10.73% | 9.66% | -66 bps | |
| Net Worth / Assets | 10.31% | 10.34% | 10.58% | 10.73% | 9.66% | -66 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.68% | 67.29% | 68.50% | 67.34% | 67.88% | +320 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Kansas City, MO · Charter 67929 · Peer group: credit unions under $1B in assets (n=1,748-1,753)
NCUA · 2 branches
Q2 2024
Return on Assets
-2.62%
Rank 1,708 of 1,753
Net Interest Margin
4.08%
Rank 501 of 1,752
Efficiency Ratio
150.82%
Rank 1,718 of 1,748
Equity / Assets
9.66%
Rank 1,367 of 1,752
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.62% | 0.23% | 0.68% | 1.19% | Beats 3% | 1,708 / 1,753 | |
| Return on Equity | -27.12% | 1.80% | 5.29% | 9.05% | Beats 2% | 1,714 / 1,750 | |
| Net Interest Margin | 4.08% | 2.98% | 3.54% | 4.20% | Beats 71% | 501 / 1,752 | |
| Efficiency Ratio | 150.82% | 69.58% | 78.86% | 88.33% | Beats 2% | 1,718 / 1,748 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 6.23% | 0.22% | 0.59% | 1.20% | Beats 2% | 1,714 / 1,748 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 9.66% | 9.91% | 12.21% | 15.57% | Beats 22% | 1,367 / 1,753 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 9.66% | 9.91% | 12.21% | 15.57% | Beats 22% | 1,367 / 1,752 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 67.88% | 55.88% | 73.01% | 86.61% | 41st pctl | 1,026 / 1,750 | |
| Loans / Assets | 61.04% | 48.21% | 62.51% | 73.23% | 47th pctl | 932 / 1,752 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||