Springfield, MO · Charter 61867
NCUA · 1 branch
Q2 2018
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.34% | -0.30% | -0.23% | 0.29% | -13.72% | -1,338 bps | |
| Return on Equity | -1.89% | -1.68% | -1.31% | 1.59% | -107.55% | -10,566 bps | |
| Net Interest Margin | 3.33% | 3.31% | 3.41% | 3.78% | -3.46% | -679 bps | |
| Efficiency Ratio | 110.24% | 108.89% | 106.64% | 95.84% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 2.52% | 1.65% | 3.81% | 0.53% | -9.39% | -1,191 bps | |
| Loan Growth (YoY) | -9.73% | 1.36% | 10.74% | 12.29% | 13.10% | +2,283 bps | |
| Share Growth (YoY) | 3.37% | 2.37% | 4.82% | 0.72% | -3.71% | -708 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.19% | 0.18% | 0.18% | 0.11% | 0.12% | -8 bps | |
| Capital | |||||||
| Risk-Based Capital | 17.84% | 17.63% | 17.73% | 18.11% | 12.76% | -508 bps | |
| Net Worth / Assets | 17.84% | 17.63% | 17.73% | 18.11% | 12.76% | -508 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |