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Saint Louis, MO · Charter 24739

Q3 2013

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: Q3 2013, the quarter ended September 30, 2013, 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

Choices

Saint Louis, MO · Charter 24739

Q3 2013

$473KAssets
$176KLoans
$395KShares
$65KNet 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 0.61%, down 247 bps year over year; NIM at 3.17%.
  • Asset quality: problem loans at 0.50% of loans (+50 bps YoY).
  • Capital: net worth / assets of 13.64%, up 125 bps from a year ago.
  • Funding: loans stand at 44.68% of shares as of Q3 2013.

Financial Results

Return on Assets (YTD, annualized)

0.61%-247 bps YoY

Net Interest Margin (YTD, annualized)

3.17%+24 bps YoY

Efficiency Ratio (YTD, annualized)

94.46%+1,413 bps YoY

Net Worth / Assets

13.64%+125 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2012Q4 2012Q1 2013Q2 2013Q3 2013YoY ΔTrend
Earnings
Return on Assets3.08%2.81%-0.24%1.80%0.61%-247 bps
Return on Equity24.86%21.49%-1.80%13.54%4.50%-2,036 bps
Net Interest Margin2.94%2.96%2.67%3.08%3.17%+24 bps
Efficiency Ratio80.33%82.15%102.42%83.62%94.46%+1,413 bps
Growth
Asset Growth (YoY)-9.64%-3.89%-0.76%12.05%10.39%+2,002 bps
Loan Growth (YoY)-8.91%-12.26%8.05%37.64%10.09%+1,900 bps
Share Growth (YoY)-8.08%-0.67%4.94%12.91%20.99%+2,907 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.14%0.00%0.50%+50 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.83%0.87%0.73%0.57%0.56%-28 bps
Capital
Risk-Based Capital12.39%13.06%13.28%13.28%13.64%+125 bps
Net Worth / Assets12.39%13.06%13.28%13.28%13.64%+125 bps
Liquidity & Funding
Loans / Shares49.11%46.88%48.92%61.09%44.68%-442 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps