Springfield, MO · Charter 61867
NCUA · 1 branch
Q2 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2018, the quarter ended June 30, 2018, 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.
Springfield, MO · Charter 61867
NCUA · 1 branch
Q2 2018
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 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.15% | -0.20% | -0.47% | -0.34% | -0.30% | -0.23% | 0.29% | -13.72% | -1,338 bps | |
| Return on Equity | -0.83% | -1.06% | -2.56% | -1.89% | -1.68% | -1.31% | 1.59% | -107.55% | -10,566 bps | |
| Net Interest Margin | 3.77% | 3.82% | 3.41% | 3.33% | 3.31% | 3.41% | 3.78% | -3.46% | -679 bps | |
| Efficiency Ratio | 104.93% | 105.91% | 110.40% | 110.24% | 108.89% | 106.64% | 95.84% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.33% | -0.95% | -1.62% | 2.52% | 1.65% | 3.81% | 0.53% | -9.39% | -1,191 bps | |
| Loan Growth (YoY) | -12.61% | -11.62% | -11.76% | -9.73% | 1.36% | 10.74% | 12.29% | 13.10% | +2,283 bps | |
| Share Growth (YoY) | -1.67% | -0.87% | -1.64% | 3.37% | 2.37% | 4.82% | 0.72% | -3.71% | -708 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.65% | 1.60% | 1.21% | 0.41% | 0.29% | 0.24% | 0.00% | 0.00% | -41 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.20% | 0.20% | 0.25% | 0.19% | 0.18% | 0.18% | 0.11% | 0.12% | -8 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.22% | 18.65% | 18.25% | 17.84% | 17.63% | 17.73% | 18.11% | 12.76% | -508 bps | |
| Net Worth / Assets | 18.22% | 18.65% | 18.25% | 17.84% | 17.63% | 17.73% | 18.11% | 12.76% | -508 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 57.10% | 56.40% | 55.01% | 51.75% | 56.53% | 59.58% | 61.33% | 60.79% | +904 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |