PackageTrendsPeer
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Metropolitan

Kansas City, MO · Charter 7095

NCUA · 1 branch

Q3 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: Q3 2018, the quarter ended September 30, 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

Metropolitan

Kansas City, MO · Charter 7095

NCUA · 1 branch

Q3 2018

$9.7MAssets
$1.8MLoans
$8.6MShares
$1.1MNet 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 -9.78%, down 872 bps year over year; NIM at -3.93%.
  • Asset quality: problem loans at 0.11% of loans (-94 bps YoY).
  • Capital: net worth / assets of 11.02%, down 668 bps from a year ago.
  • Funding: loans stand at 20.65% of shares as of Q3 2018.

Financial Results

Return on Assets (YTD, annualized)

-9.78%-872 bps YoY

Net Interest Margin (YTD, annualized)

-3.93%-541 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

11.02%-668 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2017Q4 2017Q1 2018Q2 2018Q3 2018YoY ΔTrend
Earnings
Return on Assets-1.06%-1.12%-1.33%-1.13%-9.78%-872 bps
Return on Equity-5.99%-6.39%-7.65%-6.67%-88.81%-8,282 bps
Net Interest Margin1.47%1.50%1.55%1.58%-3.93%-541 bps
Efficiency Ratio143.20%148.44%151.01%144.89%n/an/a
Growth
Asset Growth (YoY)-0.45%-0.69%-2.71%-2.05%-5.29%-485 bps
Loan Growth (YoY)-8.30%-12.39%-16.50%-12.28%-8.90%-61 bps
Share Growth (YoY)0.64%0.48%-1.97%-1.17%1.47%+83 bps
Asset Quality
Delinquent Loans / Loans1.06%0.44%0.00%0.11%0.11%-94 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.47%0.38%0.23%0.24%0.29%-18 bps
Capital
Risk-Based Capital17.70%17.56%17.31%16.88%11.02%-668 bps
Net Worth / Assets17.70%17.56%17.31%16.88%11.02%-668 bps
Liquidity & Funding
Loans / Shares23.00%21.26%20.55%20.48%20.65%-235 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps