Saint Louis, MO · Charter 24739
Q3 2013
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 | Q3 2012 | Q4 2012 | Q1 2013 | Q2 2013 | Q3 2013 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.08% | 2.81% | -0.24% | 1.80% | 0.61% | -247 bps | |
| Return on Equity | 24.86% | 21.49% | -1.80% | 13.54% | 4.50% | -2,036 bps | |
| Net Interest Margin | 2.94% | 2.96% | 2.67% | 3.08% | 3.17% | +24 bps | |
| Efficiency Ratio | 80.33% | 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 / Loans | 0.00% | 0.00% | 0.14% | 0.00% | 0.50% | +50 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.83% | 0.87% | 0.73% | 0.57% | 0.56% | -28 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.39% | 13.06% | 13.28% | 13.28% | 13.64% | +125 bps | |
| Net Worth / Assets | 12.39% | 13.06% | 13.28% | 13.28% | 13.64% | +125 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 49.11% | 46.88% | 48.92% | 61.09% | 44.68% | -442 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |