St. Louis, MO · Charter 62590
NCUA · 4 branches
Q4 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2024, the quarter ended December 31, 2024, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,721 to 1,724). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
1
Asset Quality
12
Profitability
16
Liquidity
63
Efficiency
5
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
St. Louis, MO · Charter 62590
NCUA · 4 branches
Q4 2024
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 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.96% | -0.69% | -0.79% | -0.84% | -1.02% | +94 bps | |
| Return on Equity | -32.14% | -11.70% | -13.59% | -14.52% | -18.38% | +1,376 bps | |
| Net Interest Margin | 3.18% | 3.16% | 3.29% | 3.44% | 3.47% | +30 bps | |
| Efficiency Ratio | 102.46% | 107.25% | 100.46% | 98.86% | 108.67% | +621 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -5.63% | -5.18% | -6.02% | -6.09% | -8.18% | -254 bps | |
| Loan Growth (YoY) | -15.64% | -13.74% | -9.96% | -8.50% | -9.55% | +610 bps | |
| Share Growth (YoY) | 2.10% | 0.83% | -3.37% | -3.22% | -5.03% | -713 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.14% | 2.80% | 2.71% | 3.32% | 2.28% | -86 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.09% | 5.89% | 5.82% | 5.81% | 5.53% | -56 bps | |
| Net Worth / Assets | 6.09% | 5.89% | 5.82% | 5.81% | 5.53% | -56 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 84.75% | 80.71% | 80.65% | 80.44% | 80.73% | -403 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
St. Louis, MO · Charter 62590 · Peer group: credit unions under $1B in assets (n=1,721-1,724)
NCUA · 4 branches
Q4 2024
Return on Assets
-1.02%
Rank 1,652 of 1,724
Net Interest Margin
3.47%
Rank 974 of 1,723
Efficiency Ratio
108.68%
Rank 1,633 of 1,721
Equity / Assets
5.53%
Rank 1,714 of 1,723
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.02% | 0.25% | 0.67% | 1.13% | Beats 4% | 1,652 / 1,724 | |
| Return on Equity | -18.38% | 1.95% | 5.34% | 8.54% | Beats 2% | 1,688 / 1,723 | |
| Net Interest Margin | 3.47% | 3.03% | 3.61% | 4.27% | Beats 43% | 974 / 1,723 | |
| Efficiency Ratio | 108.68% | 69.84% | 78.36% | 87.50% | Beats 5% | 1,633 / 1,721 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.28% | 0.28% | 0.70% | 1.38% | Beats 12% | 1,516 / 1,721 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 5.53% | 10.16% | 12.41% | 16.03% | Beats 1% | 1,715 / 1,724 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 5.53% | 10.15% | 12.41% | 16.03% | Beats 1% | 1,714 / 1,723 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 80.73% | 55.95% | 72.66% | 85.34% | 65th pctl | 597 / 1,722 | |
| Loans / Assets | 76.34% | 47.91% | 62.00% | 72.82% | 83rd pctl | 286 / 1,723 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||