St. Louis, MO · Charter 61763
Q4 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2014, the quarter ended December 31, 2014, 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 61763
Q4 2014
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 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.31% | -0.18% | -0.14% | -0.15% | -0.30% | +1 bps | |
| Return on Equity | -4.17% | -2.67% | -1.92% | -2.01% | -3.96% | +22 bps | |
| Net Interest Margin | 1.80% | 1.69% | 1.77% | 1.85% | 1.91% | +11 bps | |
| Efficiency Ratio | 107.98% | 104.68% | 103.17% | 104.32% | 108.92% | +94 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -7.00% | -11.05% | -7.14% | -3.62% | -6.18% | +81 bps | |
| Loan Growth (YoY) | -2.55% | -6.40% | -3.29% | -0.76% | 0.01% | +256 bps | |
| Share Growth (YoY) | -6.99% | -11.36% | -7.66% | -3.76% | -6.36% | +63 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.11% | 0.12% | 0.05% | 0.03% | 0.30% | +19 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.15% | 0.24% | 0.16% | 0.15% | 0.28% | +14 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.33% | 6.85% | 7.16% | 7.44% | 7.51% | +19 bps | |
| Net Worth / Assets | 7.33% | 6.85% | 7.16% | 7.44% | 7.51% | +19 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 30.08% | 27.10% | 29.06% | 30.89% | 32.12% | +205 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |