St. Peters, MO · Charter 22216
NCUA · 1 branch
Q4 2022
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 | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 2.24% | 2.35% | 2.91% | 2.30% | 2.45% | +21 bps | |
| Efficiency Ratio | 101.58% | 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 / Loans | 0.30% | 0.47% | 0.48% | 0.86% | 1.13% | +83 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.38% | 0.46% | 0.48% | 0.48% | 0.47% | +10 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.52% | 7.26% | 7.27% | 6.93% | 6.64% | -88 bps | |
| Net Worth / Assets | 7.52% | 7.26% | 7.27% | 6.93% | 6.64% | -88 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 51.17% | 50.44% | 51.15% | 49.46% | 50.88% | -29 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |