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Kansas City Metropolitan

Kansas City, KS · Charter 67978

Q3 2008

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: Q3 2008, the quarter ended September 30, 2008, 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

Kansas City Metropolitan

Kansas City, KS · Charter 67978

Q3 2008

$8.8MAssets
$6.5MLoans
$8.6MShares
$48KNet 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 -7.90%, down 968 bps year over year; NIM at 4.16%.
  • Asset quality: problem loans at 10.93% of loans (+470 bps YoY).
  • Capital: net worth / assets of 0.55%, down 582 bps from a year ago.
  • Funding: loans stand at 75.92% of shares as of Q3 2008.

Financial Results

Return on Assets (YTD, annualized)

-7.90%-968 bps YoY

Net Interest Margin (YTD, annualized)

4.16%-127 bps YoY

Efficiency Ratio (YTD, annualized)

121.92%+4,453 bps YoY

Net Worth / Assets

0.55%-582 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2007Q4 2007Q1 2008Q2 2008Q3 2008YoY ΔTrend
Earnings
Return on Assets1.77%0.88%-3.39%-10.71%-7.90%-968 bps
Return on Equity27.86%14.31%-65.42%-1126%-1447%-147,452 bps
Net Interest Margin5.43%5.57%3.97%4.15%4.16%-127 bps
Efficiency Ratio77.39%80.62%128.21%123.20%121.92%+4,453 bps
Growth
Asset Growth (YoY)-36.04%-19.67%-12.25%-10.90%-11.32%+2,473 bps
Loan Growth (YoY)-42.74%-15.62%-7.22%-5.45%-13.85%+2,888 bps
Share Growth (YoY)-18.08%-21.19%-13.18%-5.84%-0.90%+1,718 bps
Asset Quality
Delinquent Loans / Loans6.23%5.49%6.62%7.37%10.93%+470 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.33%1.42%1.54%6.62%7.02%+569 bps
Capital
Risk-Based Capital6.37%6.15%5.18%0.95%0.55%-582 bps
Net Worth / Assets6.37%6.15%5.18%0.95%0.55%-582 bps
Liquidity & Funding
Loans / Shares87.33%85.46%80.43%79.34%75.92%-1,141 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps