St. Louis, MO · Charter 60654
Q2 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1999, the quarter ended June 30, 1999, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
St. Louis, MO · Charter 60654
Q2 1999
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 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.76% | 4.03% | 3.33% | 2.97% | 1.22% | -254 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) | 6.97% | -1.47% | -10.61% | -8.11% | -16.83% | -2,380 bps | |
| Loan Growth (YoY) | -9.27% | -21.78% | -24.86% | -19.92% | -24.38% | -1,512 bps | |
| Share Growth (YoY) | 4.76% | -3.92% | -13.79% | -10.32% | -18.27% | -2,303 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.61% | 3.02% | 2.47% | 3.01% | 1.74% | +14 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.38% | 1.48% | 1.39% | 1.48% | 1.07% | -31 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 | 48.73% | 49.66% | 48.15% | 48.34% | 45.09% | -364 bps | |
| Liquid Assets / Assets | 27.92% | 26.96% | 31.03% | 36.90% | 54.99% | +2,707 bps | |