Kansas City, MO · Charter 7095
NCUA · 1 branch
Q3 2018
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 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 1.47% | 1.50% | 1.55% | 1.58% | -3.93% | -541 bps | |
| Efficiency Ratio | 143.20% | 148.44% | 151.01% | 144.89% | n/a | n/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 / Loans | 1.06% | 0.44% | 0.00% | 0.11% | 0.11% | -94 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.47% | 0.38% | 0.23% | 0.24% | 0.29% | -18 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.70% | 17.56% | 17.31% | 16.88% | 11.02% | -668 bps | |
| Net Worth / Assets | 17.70% | 17.56% | 17.31% | 16.88% | 11.02% | -668 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 23.00% | 21.26% | 20.55% | 20.48% | 20.65% | -235 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |