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Letter portraitLegal landscapeQuarterYTD

Christ the King Parish

Kansas City, KS · Charter 8072

NCUA · 1 branch

Q2 2024

$1.3MAssets
$541KLoans
$1.1MShares
$150KNet Worth

Executive Summary

  • Earnings: ROA of -1.52%, down 120 bps year over year; NIM at -6.30%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 11.56%, down 77 bps from a year ago.
  • Funding: loans stand at 47.66% of shares as of Q2 2024.

Return on Assets (quarter, annualized)

-1.52%-120 bps YoY

Net Interest Margin (quarter, annualized)

-6.30%-814 bps YoY

Efficiency Ratio (quarter, annualized)

123.45%+1,125 bps YoY

Net Worth / Assets

11.56%-77 bps YoY

Discrete quarter, annualized.

MetricQ3 2022Q4 2022Q1 2023Q2 2023Q3 2023Q4 2023Q1 2024Q2 2024YoY ΔTrend
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 Margin1.65%1.58%1.69%1.84%2.02%2.16%3.38%-6.30%-814 bps
Efficiency Ratio130.54%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 / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.30%0.13%0.14%0.14%0.14%0.13%0.14%0.15%+1 bps
Capital
Risk-Based Capital13.21%13.55%13.46%12.33%13.69%14.03%13.78%11.56%-77 bps
Net Worth / Assets13.21%13.55%13.46%12.33%13.69%14.03%13.78%11.56%-77 bps
Liquidity & Funding
Loans / Shares47.85%50.98%48.08%43.39%49.46%54.13%50.30%47.66%+427 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps