Kansas City, MO · Charter 7095
NCUA · 1 branch
Q3 2018
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | Q3 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.88% | -1.30% | -1.22% | -1.06% | -1.12% | -1.33% | -1.13% | -9.78% | -872 bps | |
| Return on Equity | -4.77% | -7.25% | -6.95% | -5.99% | -6.39% | -7.65% | -6.67% | -88.81% | -8,282 bps | |
| Net Interest Margin | 1.49% | 1.35% | 1.40% | 1.47% | 1.50% | 1.55% | 1.58% | -3.93% | -541 bps | |
| Efficiency Ratio | 139.02% | 156.96% | 153.26% | 143.20% | 148.44% | 151.01% | 144.89% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.81% | 1.94% | 0.36% | -0.45% | -0.69% | -2.71% | -2.05% | -5.29% | -485 bps | |
| Loan Growth (YoY) | -17.29% | -14.76% | -9.86% | -8.30% | -12.39% | -16.50% | -12.28% | -8.90% | -61 bps | |
| Share Growth (YoY) | 3.36% | 3.65% | 1.70% | 0.64% | 0.48% | -1.97% | -1.17% | 1.47% | +83 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.04% | 0.98% | 0.95% | 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 | n/a | n/a | n/a |
| Allowance / Loans | 0.10% | 0.28% | 0.39% | 0.47% | 0.38% | 0.23% | 0.24% | 0.29% | -18 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.55% | 17.94% | 17.56% | 17.70% | 17.56% | 17.31% | 16.88% | 11.02% | -668 bps | |
| Net Worth / Assets | 18.55% | 17.94% | 17.56% | 17.70% | 17.56% | 17.31% | 16.88% | 11.02% | -668 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 24.39% | 24.13% | 23.07% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |