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Missouri Valley

St. Peters, MO · Charter 22216

NCUA · 1 branch

Q4 2022

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: Q4 2022, the quarter ended December 31, 2022, 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

Missouri Valley

St. Peters, MO · Charter 22216

NCUA · 1 branch

Q4 2022

$49.6MAssets
$23.4MLoans
$46.1MShares
$3.3MNet 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 -0.93%, down 91 bps year over year; NIM at 2.45%.
  • Asset quality: problem loans at 1.13% of loans (+83 bps YoY).
  • Capital: net worth / assets of 6.64%, down 88 bps from a year ago.
  • Funding: loans stand at 50.88% of shares as of Q4 2022.

Financial Results

Return on Assets (YTD, annualized)

-0.93%-91 bps YoY

Net Interest Margin (YTD, annualized)

2.45%+21 bps YoY

Efficiency Ratio (YTD, annualized)

127.15%+2,557 bps YoY

Net Worth / Assets

6.64%-88 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2021Q1 2022Q2 2022Q3 2022Q4 2022YoY ΔTrend
Earnings
Return on Assets-0.02%-0.13%-0.27%-0.41%-0.93%-91 bps
Return on Equity-0.24%-1.76%-3.77%-5.98%-14.03%-1,379 bps
Net Interest Margin2.24%2.35%2.91%2.30%2.45%+21 bps
Efficiency Ratio101.58%102.25%107.27%111.50%127.15%+2,557 bps
Growth
Asset Growth (YoY)13.81%7.34%7.05%5.98%-0.73%-1,454 bps
Loan Growth (YoY)17.59%18.22%9.63%2.86%-0.94%-1,854 bps
Share Growth (YoY)15.26%8.14%8.13%7.18%-0.39%-1,565 bps
Asset Quality
Delinquent Loans / Loans0.30%0.47%0.48%0.86%1.13%+83 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.38%0.46%0.48%0.48%0.47%+10 bps
Capital
Risk-Based Capital7.52%7.26%7.27%6.93%6.64%-88 bps
Net Worth / Assets7.52%7.26%7.27%6.93%6.64%-88 bps
Liquidity & Funding
Loans / Shares51.17%50.44%51.15%49.46%50.88%-29 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps