Kansas City, KS · Charter 8072
NCUA · 1 branch
Q2 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2024, the quarter ended June 30, 2024, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,748 to 1,753). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
44
Asset Quality
100
Profitability
3
Liquidity
21
Efficiency
3
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Kansas City, KS · Charter 8072
NCUA · 1 branch
Q2 2024
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 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.62% | -0.69% | -0.88% | -0.33% | -0.31% | -0.29% | -2.66% | -1.52% | -120 bps | |
| Return on Equity | -4.66% | -5.10% | -6.50% | -2.66% | -2.29% | -2.07% | -19.31% | -13.18% | -1,052 bps | |
| Net Interest Margin | 1.65% | 1.58% | 1.69% | 1.84% | 2.02% | 2.16% | 3.38% | -6.30% | -814 bps | |
| Efficiency Ratio | 130.54% | 137.05% | 143.51% | 112.20% | 110.60% | 109.48% | 145.73% | 123.45% | +1,125 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.56% | 0.99% | -4.56% | 6.10% | -5.61% | -5.36% | -6.79% | -14.66% | -2,077 bps | |
| Loan Growth (YoY) | -9.47% | 6.94% | -4.08% | 2.23% | -2.96% | -0.04% | -2.87% | -6.14% | -837 bps | |
| Share Growth (YoY) | 3.70% | 1.89% | -4.49% | 7.52% | -6.12% | -5.87% | -7.16% | -14.55% | -2,207 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 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 | 0.30% | 0.13% | 0.14% | 0.14% | 0.14% | 0.13% | 0.14% | 0.15% | +1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.21% | 13.55% | 13.46% | 12.33% | 13.69% | 14.03% | 13.78% | 11.56% | -77 bps | |
| Net Worth / Assets | 13.21% | 13.55% | 13.46% | 12.33% | 13.69% | 14.03% | 13.78% | 11.56% | -77 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 47.85% | 50.98% | 48.08% | 43.39% | 49.46% | 54.13% | 50.30% | 47.66% | +427 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Kansas City, KS · Charter 8072 · Peer group: credit unions under $1B in assets (n=1,748-1,753)
NCUA · 1 branch
Q2 2024
Return on Assets
-1.55%
Rank 1,681 of 1,753
Net Interest Margin
-6.34%
Rank 1,752 of 1,752
Efficiency Ratio
123.81%
Rank 1,692 of 1,748
Equity / Assets
11.59%
Rank 973 of 1,752
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -1.55% | 0.23% | 0.68% | 1.19% | Beats 4% | 1,681 / 1,753 | n/a | |
| Return on Equity | -13.33% | 1.80% | 5.29% | 9.05% | Beats 4% | 1,688 / 1,750 | n/a | |
| Net Interest Margin | -6.34% | 2.98% | 3.54% | 4.20% | Beats 0% | 1,752 / 1,752 | n/a | |
| Efficiency Ratio | 123.81% | 69.58% | 78.86% | 88.33% | Beats 3% | 1,692 / 1,748 | n/a | |
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.22% | 0.59% | 1.20% | Beats 100% | 147 / 1,748 | n/a | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.56% | 9.91% | 12.21% | 15.57% | Beats 44% | 983 / 1,753 | n/a | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 11.59% | 9.91% | 12.21% | 15.57% | Beats 44% | 973 / 1,752 | n/a | |
| Liquidity & Funding | ||||||||
| Loans / Deposits | 47.66% | 55.88% | 73.01% | 86.61% | 15th pctl | 1,486 / 1,750 | n/a | |
| Loans / Assets | 41.81% | 48.21% | 62.51% | 73.23% | 17th pctl | 1,453 / 1,752 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||