St. Louis, MO · Charter 2304
Q4 1998
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.08% | 0.11% | -0.25% | 3.92% | 2.71% | +163 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -48.10% | -43.21% | -33.70% | -33.80% | -22.97% | +2,513 bps | |
| Loan Growth (YoY) | -35.85% | -37.74% | -10.52% | 19.54% | -18.24% | +1,760 bps | |
| Share Growth (YoY) | -61.91% | -57.01% | -47.93% | -51.75% | 4.65% | +6,656 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 15.44% | 3.25% | 10.61% | 6.88% | 8.29% | -715 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 8.55% | 3.48% | 8.27% | 8.50% | 11.09% | +254 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 68.44% | 78.01% | 94.06% | 111.92% | 53.46% | -1,497 bps | |
| Liquid Assets / Assets | 27.76% | 21.89% | 13.98% | 5.56% | 13.57% | -1,419 bps | |