Kansas City, KS · Charter 67978
Q3 2008
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.77% | 0.88% | -3.39% | -10.71% | -7.90% | -968 bps | |
| Return on Equity | 27.86% | 14.31% | -65.42% | -1126% | -1447% | -147,452 bps | |
| Net Interest Margin | 5.43% | 5.57% | 3.97% | 4.15% | 4.16% | -127 bps | |
| Efficiency Ratio | 77.39% | 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 / Loans | 6.23% | 5.49% | 6.62% | 7.37% | 10.93% | +470 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.33% | 1.42% | 1.54% | 6.62% | 7.02% | +569 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.37% | 6.15% | 5.18% | 0.95% | 0.55% | -582 bps | |
| Net Worth / Assets | 6.37% | 6.15% | 5.18% | 0.95% | 0.55% | -582 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 87.33% | 85.46% | 80.43% | 79.34% | 75.92% | -1,141 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |